Annual Percentage Yields (APYs) are effective for accounts opened from 01-16-2019 and until the next yield change, which is typically weekly.
| Term |
Minimum Balance To Open and Earn APY |
Current Rate |
Annual Percentage Yield |
| e-z Access Advantage CD 36 Months |
$5,000.00 |
.200% |
.200% |
| *IRA/ESA Variable CD 18 Month |
$0.00 |
.250% |
.250% |
| 6 Months |
$1,000.00 |
0.250% |
0.250% |
| 6 Months |
$10,000.00 |
0.800% |
0.800% |
| 6 Months |
$25,000.00 |
0.900% |
0.900% |
| 6 Months |
$50,000.00 |
0.950% |
0.950% |
| 6 Months |
$100,000.00 and over |
1.000% |
1.000% |
| 12 Months |
$1,000.00 |
0.400% |
0.400% |
| 12 Months |
$10,000.00 |
0.900% |
0.900% |
| 12 Months |
$25,000.00 |
1.050% |
1.050% |
| 12 Months |
$50,000.00 |
1.100% |
1.100% |
| 12 Months |
$100,000.00 and over |
1.150% |
1.150% |
| 18 Months |
$1,000.00 |
0.450% |
0.450% |
| 18 Months |
$10,000.00 |
1.000% |
1.000% |
| 18 Months |
25,000.00 |
1.100% |
1.100% |
| 18 Months |
50,000.00 |
1.150% |
1.150% |
| 18 Months |
$100,000.00 and over |
1.200% |
1.210% |
| 24 Months |
$1,000.00 |
0.550% |
0.550% |
| 24 Months |
$10,000.00 |
1.050% |
1.050% |
| 24 Months |
$25,000.00 |
1.200% |
1.210% |
| 24 Months |
$50,000.00 |
1.250% |
1.260% |
| 24 Months |
$100,000.00 and over |
1.300% |
1.310% |
| e-z Access Flex CD - 27 Month |
$10,000.00 |
2.000% |
2.020% |
| e-z Access Flex CD - 27 Month |
$100,000.00 |
2.250% |
2.270% |
| 36 Months |
$1,000.00 |
1.200% |
1.210% |
| 36 Months |
$10,000.00 |
1.800% |
1.810% |
| 36 Months |
$25,000.00 |
1.900% |
1.910% |
| 36 Months |
$50,000.00 |
1.950% |
1.960% |
| 36 Months |
$100,000.00 and over |
2.050% |
2.070% |
| 48 Months |
$1,000.00 |
1.250% |
1.260% |
| 48 Months |
$10,000.00 |
1.850% |
1.860% |
| 48 Months |
$25,000.00 |
1.950% |
1.960% |
| 48 Months |
$50,000.00 |
2.000% |
2.020% |
| 48 Months |
$100,000.00 and over |
2.100% |
2.120% |
| 60 Months |
$1,000.00 |
1.350% |
1.360% |
| 60 Months |
$10,000.00 |
1.900% |
1.910% |
| 60 Months |
$25,000.00 |
2.000% |
2.020% |
| 60 Months |
$50,000.00 |
2.050% |
2.070% |
| 60 Months |
$100,000.00 and over |
2.150% |
2.170% |
| Roll Up 36 Month CD* |
$10,000.00 |
1.650% |
1.660% |
| Roll Up Jumbo 36 Month CD* |
$100,000.00 |
1.900% |
1.910% |
| Roll Up 48 Month CD* |
$10,000.00 |
1.700% |
1.710% |
| Roll Up Jumbo 48 Month CD* |
$100,000.00 |
1.950% |
1.960% |
| Roll Up 60 Month CD* |
$10,000.00 |
1.750% |
1.760% |
| Roll Up Jumbo 60 Month CD* |
$100,000.00 |
2.000% |
2.020% |
| IRA CD 36 Months |
$1,000.00 |
1.450% |
1.460% |
| IRA CD 36 Months |
$10,000.00 |
2.050% |
2.070% |
| IRA CD 36 Months |
$25,000.00 |
2.150% |
2.170% |
| IRA CD 36 Months |
$50,000.00 |
2.200% |
2.220% |
| IRA CD 36 Months |
$100,000.00 and over |
2.300% |
2.320% |
| IRA CD 48 Months |
$1,000.00 |
1.500% |
1.510% |
| IRA CD 48 Months |
$10,000.00 |
2.100% |
2.120% |
| IRA CD 48 Months |
$25,000.00 |
2.200% |
2.220% |
| IRA CD 48 Months |
$50,000.00 |
2.250% |
2.270% |
| IRA CD 48 Months |
$100,000.00 and over |
2.350% |
2.370% |
| IRA CD 60 Months |
$1,000.00 |
1.600% |
1.610% |
| IRA CD 60 Months |
$10,000.00 |
2.150% |
2.170% |
| IRA CD 60 Months |
$25,000.00 |
2.250% |
2.270% |
| IRA CD 60 Months |
$50,000.00 |
2.300% |
2.320% |
| IRA CD 60 Months |
$100,000.00 and over |
2.400% |
2.420% |
Please contact your local Citizens & Northern branch for our Truth-In-Savings Disclosure for complete details.
Visit our Personal Banking Section for more information on Certificates of Deposit.
An interest penalty may be assessed if a certificate of deposit is withdrawn before maturity.
Fees may reduce earnings.
For IRA/ESA Variable CDs and IRA Fixed CD's, the IRS assesses a 10% Early Distribution Penalty for withdrawals prior to age 59-1/2. Exceptions may apply.
Rates are fixed for the term of the certificate, except for these types of variable accounts: Roll Up CDs, e-z Access Advantage CD and the IRA/ESA Variable CD. The rate of these variable CDs may change after the account is opened. Please ask for an IRA Disclosure Statement for further details on IRAs.
e-z Access Advantage CD balances less than $5,000.00 earn .100% interest, .100% APY.
e-z Access Flex CD balances less than $10,000.00 earn .100% interest, .10% APY.
APY is annual percentage yield.
Member FDIC
* Important information regarding Roll Up CDs:
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 roll-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. U pon 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.