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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
 

C&N IRA CD Tax Season Special
 
Term Tier New
(as of 1/25/18)
Previous Period
(as of 1/18/18)
Rate APY Rate APY
36
Month
$1,000-$9,999.99 1.250 % 1.260 % 1.00% 1.00%
$10,000-$24,999.99 1.750 % 1.760 % 1.500% 1.510%
$25,000-$49,999.99 1.900 % 1.910 % 1.650% 1.660%
$50,000-$99,999.99 1.950 % 1.960 % 1.700% 1.710%
$100,000 + 2.000 % 2.020 % 1.750% 1.760%
           
48
Month
$1,000-$9,999.99 1.300 % 1.310 % 1.050% 1.050%
$10,000-$24,999.99 1.850 % 1.860 % 1.600% 1.610%
$25,000-$49,999.99 1.950 % 1.960 % 1.700% 1.710%
$50,000-$99,999.99 2.000 % 2.020 % 1.750% 1.760%
$100,000 + 2.050 % 2.070 % 1.800% 1.810%
           
60
Month
$1,000-$9,999.99 1.450 % 1.460 % 1.200% 1.210%
$10,000-$24,999.99 1.950 % 1.960 % 1.700% 1.710%
$25,000-$49,999.99 2.050 % 2.070 % 1.800% 1.810%
$50,000-$99,999.99 2.150 % 2.170 % 1.900% 1.910%
$100,000 + 2.250 % 2.270 % 2.000% 2.020%

 

*Contributions and withdrawals subject to IRS rules.