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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 

Accelerate
  • 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.

Accelerate your retirement savings with our Fixed-Rate IRA CD* Tax Season Special

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
 

C&N IRA CD Tax Season Special
 
Term Tier New
(as of 1/16/19)
Previous Period
(as of 1/9/19)
Rate APY Rate APY
36
Month
$1,000-$9,999.99 1.450 % 1.460 % 1.200% 1.210%
$10,000-$24,999.99 2.050 % 2.070 % 1.800% 1.810%
$25,000-$49,999.99 2.150 % 2.170 % 1.900% 1.910%
$50,000-$99,999.99 2.200 % 2.220 % 1.950% 1.960%
$100,000 + 2.300 % 2.320 % 2.050% 2.070%
 
48
Month
$1,000-$9,999.99 1.500 % 1.510 % 1.250% 1.260%
$10,000-$24,999.99 2.100 % 2.120 % 1.850% 1.860%
$25,000-$49,999.99 2.200 % 2.220 % 1.950% 1.960%
$50,000-$99,999.99 2.250 % 2.270 % 2.000% 2.020%
$100,000 + 2.350 % 2.370 % 2.100% 2.120%
 
60
Month
$1,000-$9,999.99 1.600 % 1.610 % 1.350% 1.3600%
$10,000-$24,999.99 2.150 % 2.170 % 1.900% 1.910%
$25,000-$49,999.99 2.250 % 2.270 % 2.000% 2.020%
$50,000-$99,999.99 2.300 % 2.320 % 2.050% 2.070%
$100,000 + 2.400 % 2.420 % 2.150% 2.170%

 

*Contributions and withdrawals subject to IRS rules.