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Century Next Bank (CNext): Complete Guide to Products, Rates & FAQs

Century Next Bank, branded as CNext, is a federally chartered savings bank headquartered in Ruston, Louisiana. Founded in 1905, it serves local communities in LA and AR through multiple branches. It offers personal and business banking, with a strong focus on real estate lending, digital tools, and hometown service.

Checking Accounts

  • Basic Checking: $50 to open; $8 monthly fee (waived with $1,000 daily balance).
  • Interest Checking: 0.25% APY with $0.01 minimum balance; $12 monthly fee waived at $2,500 daily balance.
  • Priority Checking (available to AR/LA residents): $50 to open; 7.00% APY on balances ≤ $30,000 if monthly requirements are met. Balances above $30K earn 0.50%; Fee-waived and refunds up to $15 ATM charges monthly when qualifications are met.
  • Legends Checking (≥ $100K balance) offers tiered APY from 0.10% to 0.50%.
  • Platinum and Youth Checking options are available with perks like ID protection and youth-friendly features.

Savings, Money Market & CDs

  • Priority Savings (linked to Priority Checking): 3.00% APY on balances ≤ $30K (if qualifications met); otherwise 0.05%.
  • Regular, Youth & Little Savers: 0.50% APY with $50 minimum deposit.
  • Special Savings IRA: tiered APY from 0.25% to 1.00% based on balance.
  • Money Market Standard: 0.75% APY with $10K minimum ($20 fee if lower).
  • Money Market Premier: up to 4.00% APY for ≥ $100K.
  • Certificates of Deposit (CDs): 3–36 months, competitive fixed rates, FDIC insured, automatic rollover, penalties for early withdrawal.

Mortgage & Loan Products

  • Purchase/refinance mortgages.
  • Home equity lines and construction loans.
  • Personal and business loans supported locally with personalized service.

Interest Rates Overview

  • Checking: up to 7.00% APY with Priority Checking.
  • Savings: 0.50–3.00% APY depending on account type.
  • Money Market: up to 4.00% APY.
  • CDs: fixed, competitive rates for 3–36 months.

Debit & ATM Services

  • Free Visa® debit card with checking.
  • ATM reimbursements (Priority accounts): up to $15/month for non CNext ATMs.
  • Non-network ATM fee is $2 per transaction.

Online & Mobile Banking

  • Access account management, transfers, and e-statements.
  • Mortgage calculator available online.
  • Digital tools complement in-branch personalized service.

FDIC Insurance & Routing Number

  • FDIC-insured up to $250,000 per depositor.
  • Routing Number: 311170250.

Community Presence & Financial Strength

  • Operations in 4 LA locations and 3 in AR.
  • Assets exceed $900 million; strong financial ratios (Texas Ratio ~3.8%) confirm its stability.

Final Thoughts

Century Next Bank balances competitive interest rates (especially 7.00% APY Priority Checking) with community-focused service and robust digital capabilities. It stands out for locals in AR and LA seeking exceptional yields backed by financial strength and personalized banking.

Frequently Asked Questions

Who can open a Priority Checking account?

Residents of Arkansas or Louisiana with a $50 minimum opening deposit and upon meeting monthly requirements.

What are the monthly requirements for Priority Checking?

12+ debit card transactions ($5+ each), electronic statements, and $500+ aggregated ACH credits each month.

How can I earn 7.00% APY?

Meet the above criteria—balances up to $30K earn 7.00%; higher balances earn 0.50%.

Is Century Next Bank safe?

Yes—CNext is FDIC-insured, federally chartered, and financially solid with strong growth and low loss ratios.

Can I open accounts online?

Priority accounts generally require an in-branch visit at one of their LA/AR branches. Other accounts may be opened online or by phone.

How does ATM reimbursement work?

If you qualify, up to $15/month in non-network ATM surcharges are refunded (capped at $4.99 per transaction).

Are there withdrawal limits on savings?

Yes—Regulation D limits apply: up to six withdrawals/transfers per statement cycle; excess withdrawals may result in fees.

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