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Variable-Rate IRA CD

Earn more during a bull market and reap the benefits within a relatively short term with a Variable-Rate IRA CD from Citizens & Northern Bank. 
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Variable-Rate IRA CDs in PA & NY 

  • Secure growth
    Principal protected by FDIC insurance for up to $250,000.
  • Flexible
    Contribute any amount to the account, anytime.
  • Tax advantages
    Learn about the tax benefits with your tax advisor.
  • Reliable and predictable
    More stable growth vs other investments like stocks and bonds.

Variable-Rate IRA CD*

Save for retirement and take advantage of the tax advantages that IRA CDs can offer. 
 
  • Variable interest rate based on market conditions
  • No minimum balance requirement
  • 18-month term
  • Contribute any amount to the account, anytime
  • Make automatic contributions from your Checking or Key Savings account on a weekly, bi-weekly or monthly basis
  • Penalty-free withdrawals start at age 59 1/2

*Contributions and withdrawals subject to IRS rules