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Fixed-Rate IRA CD

Choose the best Fixed-Rate IRA CD for your retirement with flexible terms from Citizens & Northern Bank.

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Fixed-Rate IRA CDs in PA & NY 

  • Security
    Protect deposits with FDIC insurance for up to $250,000.
  • Predictability
    Earn interest at a fixed rate to avoid volatility.
  • Tax benefits
    Learn about the tax advantages of IRA CDs with your tax advisor.
  • Flexible terms
    Choose from terms from three to five years.

Fixed-Rate IRA CD*

Certainty is comforting when it comes to saving for your retirement.

  • $1,000 minimum to open
  • Interest rate and maturity date are locked in at purchase, allowing for maximum growth
  • Choose terms of 36, 48 or 60 months
  • Partial withdrawals of principal are not allowed
 

*Contributions and withdrawals subject to IRS rules.