Skip to Main Content Skip to Sitemap

Fixed-Rate CDs

Steady and reliable, our Fixed-Rate CDs are ideal for consistent growth.
  Contact UsApply Now

Competitive CD Rates

  • Fixed rate
    Set savings goals based on your rate of return.
  • Deposit more, earn more
    Get a higher rate with a larger balance.
  • Smart investment
    Your savings will increase throughout the term.
  • Patience rewarded
    Maximize your savings by choosing a longer term.

13 Month CD Special
 
Annual Percentage Yields (APYs) are effective for accounts opened from 03-20-2019 and until the next yield change, which is typically weekly.
Term Minimum Balance To Open and Earn APY Current Rate Annual Percentage Yield
13 Month CD Special $10,000.00 2.000 2.020
13 Month CD Special $100,000.00 2.250 2.270
 
Open a 13-Month CD

*Annual percentage yield effective 2/6/2019. Subject to change. Requires $10,000 minimum to open for the 2.00% interest rate (2.020% APY) and minimum $100,000 to open for 2.250% interest rate (2.270% APY). Interest compounded and credited quarterly. CD automatically renews to a 12-month term CD upon maturity at the interest rate and APY of the 12-month term at that time. 180 day early withdrawal interest penalty, may reduce earnings. Not available to municipalities.
 

Diversify with CDs


Excess cash finds a natural home with our Fixed-Rate CDs, which allow you to earn solid interest rates on money you won't need for several months or years. Bolster your savings by reinvesting when your CD matures.
 
  • Choose terms from six months to five years
  • Municipalities can choose terms of less than six months
  • Minimum $1,000 deposit for terms of six months or longer
  • Interest can be automatically deposited into your Checking or Key Savings account

To apply for a Fixed Rate CD online, please choose from the options below.

To see all CD options that you can apply for with Citizens & Northern Bank, please visit our rates page and contact us for more information on how to apply.
Annual Percentage Yields (APYs) are effective for accounts opened from 03-20-2019 and until the next yield change, which is typically weekly.
Term Minimum Balance To Open and Earn APY Current Rate Annual Percentage Yield
12 Months $1,000.00 0.400 0.400
12 Months $10,000.00 0.900 0.900
12 Months $25,000.00 1.050 1.050
12 Months $50,000.00 1.100 1.100
12 Months $100,000.00 and over 1.150 1.150
Apply Now
Annual Percentage Yields (APYs) are effective for accounts opened from 03-20-2019 and until the next yield change, which is typically weekly.
Term Minimum Balance To Open and Earn APY Current Rate Annual Percentage Yield
24 Months $1,000.00 0.550 0.550
24 Months $10,000.00 1.050 1.050
24 Months $25,000.00 1.200 1.210
24 Months $50,000.00 1.250 1.260
24 Months $100,000.00 and over 1.300 1.310
Apply Now
Annual Percentage Yields (APYs) are effective for accounts opened from 03-20-2019 and until the next yield change, which is typically weekly.
Term Minimum Balance To Open and Earn APY Current Rate Annual Percentage Yield
36 Months $1,000.00 1.200 1.210
36 Months $10,000.00 1.800 1.810
36 Months $25,000.00 1.900 1.910
36 Months $50,000.00 1.950 1.960
36 Months $100,000.00 and over 2.050 2.070
Apply Now
Annual Percentage Yields (APYs) are effective for accounts opened from 03-20-2019 and until the next yield change, which is typically weekly.
Term Minimum Balance To Open and Earn APY Current Rate Annual Percentage Yield
48 Months $1,000.00 1.250 1.260
48 Months $10,000.00 1.850 1.860
48 Months $25,000.00 1.950 1.960
48 Months $50,000.00 2.000 2.020
48 Months $100,000.00 and over 2.100 2.120
Apply Now
Annual Percentage Yields (APYs) are effective for accounts opened from 03-20-2019 and until the next yield change, which is typically weekly.
Term Minimum Balance To Open and Earn APY Current Rate Annual Percentage Yield
60 Months $1,000.00 1.350 1.360
60 Months $10,000.00 1.900 1.910
60 Months $25,000.00 2.000 2.020
60 Months $50,000.00 2.050 2.070
60 Months $100,000.00 and over 2.150 2.170
Apply Now

APY = Annual Percentage Yield
An interest penalty may be assessed if a certificate of deposit is withdrawn before maturity.