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Money. Money. Market.

Optimize your savings with safety, flexibility, and competitive returns!

Money Market Deposit Account

See Rate Table below for opening deposits and applicable tiers
  • Interest-Bearing Deposit Account
  • 6 Debits per month1
  • Compatible with KCNB Online Banking2
  • No monthly maintenance fee (for average balances over $1,500)3
  • Insured up to $250,000 by the FDIC
Download the Application*
*Must be filled, printed, and returned to a KCNB location.​

KCNB Money Market Rates

Rates Effective as of March 1, 2024.  For the most up-to-date rates, call us at (830) 780-3317.


Type of Account		 Minimum
Deposit to Open		 Minimum Balance5 to Obtain
Annual Percentage Yield (APY)		 Interest
Rate
APY4		 Interest
Compound



Money Market



$1,500.00
$0.01 - $99,999.99
1.25%
1.25%



Monthly
$100,000 - $999,999.99
1.75%
1.76%
$1,000,000 and up
2.00%
2.02%

Deposits FAQs

We currently do not provide the means for you to apply online or submit your application electronically.

Our applications are available at any KCNB location, and can also be found on our website in a fillable and downloadable PDF format.

We do not schedule appointments to meet with our representatives.  However, we do encourage you to call your preferred location ahead of time to check on availability. 

Our business hours are from 8am-5pm, with the lobby open from 9am-3pm, Monday through Friday.

Generally, a valid government-issued photo ID, Social Security Card, and proof of residence will be required to open an account.  You will also need your opening deposit.

Certain circumstances/accounts may require additional documentation.  Call 830-780-3317 for more information.

Need help deciding?

Give us a call at 830-780-3317 or visit any KCNB location.

Disclosures
  1. In excess of 6 debit transactions per month, a $2.00 fee will be incurred for each debit transaction.
  2. Must have an open account at Karnes County National Bank to enroll in KCNB Online Banking.  Internet connection required for both KCNB Online Banking and KCNB Mobile.  Standard data rates may apply, refer to your service provider’s plan for information regarding data usage rates.
  3. Money Market Account –
    If your average balance per monthly statement cycle:
    Is less than $1,500.00, a fee of $8.00 will be incurred;
    Is $1,500.00 or more, there is no maintenance fee.
  4. Quoted APY is based on interest compounded monthly.  The interest rate and APY for your account depend upon the applicable rate tier.  At our discretion, the rate and APY for these tiers may change after the account has been opened.  We may change the interest rate on your account every day.  Fees could reduce the earnings on the account.
  5. We use the daily balance method to calculate interest on your account.  This method applies a daily periodic rate to the principal in the account each day.
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