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Roll-Up CDs

Invest with confidence knowing that you can upgrade your interest rate to maximize your savings.

Roll-Up Certificate of Deposit Options for PA and NY Customers

If you're not sure if now is the right time to invest in a CD, C&N's Roll-Up option makes your decision easier.

Why wait to start growing your funds?

Choose a Roll-Up CD and if interest rates rise, you can exercise a one-time upgrade to your rate, giving you flexibility and control over your financial investment.

Annual Percentage Yields (APYs) are effective for accounts opened from April 10, 2024 and until the next yield change, which is typically weekly.

Term MinBalance Rate APY
Roll Up 36 Month CD* $10,000.00 3.450% 3.49%
Roll Up 48 Month CD* $10,000.00 3.250% 3.29%
Roll Up 60 Month CD* $10,000.00 3.150% 3.19%
Roll Up Jumbo 36 Month CD* $100,000.00 and over 3.900% 3.96%
Roll Up Jumbo 48 Month CD* $100,000.00 and over 3.750% 3.80%
Roll Up Jumbo 60 Month CD* $100,000.00 and over 3.700% 3.75%

The interest rate and Annual Percentage Yield may change when the roll-up option is exercised.  The roll-up option can only be exercised once during the term of the certificate. The maximum interest rate roll-up (increase) available during each step-up time period is 2.00%. The new interest rate will not be applied retroactively. To initiate the roll-up option you must contact us requesting the roll-up of (increase in) your interest rate in person, by phone, or in writing. For Certificates of Deposit with joint right of survivor ownership, any one of the owners may individually initiate the roll-up option. Upon maturity, there will be NO ADDITIONAL ROLL-UP OPTIONS. The rate may be rolled-up to the current same term fixed rate C&N CD rate. A penalty will or may be imposed for early withdrawals.

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