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Current Rates

Customers in Pennsylvania and New York trust C&N to help them save money on mortgages and earn better rates on their CDs and deposit accounts.

Save More, Earn More

Certificates of Deposit

Annual Percentage Yields (APYs) are effective for accounts opened from December 11, 2019 and until the next yield change, which is typically weekly.

Term	Minimum Balance To Open and Earn APY	Current Rate	Annual Percentage Yield
6 Months	$1,000.00	0.600%	0.600%
6 Months	$10,000.00	1.100%	1.100%
6 Months	$25,000.00	1.200%	1.210%
6 Months	$50,000.00	1.250%	1.260%
6 Months	$100,000.00 and over	1.300%	1.310%
12 Months	$1,000.00	0.600%	0.600%
12 Months	$10,000.00	1.100%	1.100%
12 Months	$25,000.00	1.200%	1.210%
12 Months	$50,000.00	1.250%	1.260%
12 Months	$100,000.00 and over	1.300%	1.310%
18 Months	$1,000.00	0.600%	0.600%
18 Months	$10,000.00	1.100%	1.100%
18 Months	$25,000.00	1.200%	1.210%
18 Months	$50,000.00	1.250%	1.260%
18 Months	$100,000.00 and over	1.300%	1.310%
24 Months	$1,000.00	0.600%	0.600%
24 Months	$10,000.00	1.100%	1.100%
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	1.100%	1.100%
e-z Access Flex CD - 27 Month	$100,000.00	1.350%	1.360%
e-z Access Advantage CD 36 Months	$5,000.00	.200%	.200%
36 Months	$1,000.00	0.600%	0.600%
36 Months	$10,000.00	1.100%	1.100%
36 Months	$25,000.00	1.250%	1.260%
36 Months	$50,000.00	1.300%	1.310%
36 Months	$100,000.00 and over	1.350%	1.360%
48 Months	$1,000.00	0.600%	0.600%
48 Months	$10,000.00	1.100%	1.100%
48 Months	$25,000.00	1.250%	1.260%
48 Months	$50,000.00	1.300%	1.310%
48 Months	$100,000.00 and over	1.350%	1.360%
60 Months	$1,000.00	0.650%	0.650%
60 Months	$10,000.00	1.150%	1.150%
60 Months	$25,000.00	1.300%	1.310%
60 Months	$50,000.00	1.350%	1.360%
60 Months	$100,000.00 and over	1.400%	1.410%
Roll Up 36 Month CD*	$10,000.00	1.050%	1.050%
Roll Up Jumbo 36 Month CD*	$100,000.00	1.300%	1.310%
Roll Up 48 Month CD*	$10,000.00	1.000%	1.000%
Roll Up Jumbo 48 Month CD*	$100,000.00	1.250%	1.260%
Roll Up 60 Month CD*	$10,000.00	1.050%	1.050%
Roll Up Jumbo 60 Month CD*	$100,000.00	1.300%	1.310%
*IRA/ESA Variable CD 18 Month	$0.00	.250%	.250%
IRA CD 36 Months	$1,000.00	0.600%	0.600%
IRA CD 36 Months	$10,000.00	1.100%	1.100%
IRA CD 36 Months	$25,000.00	1.250%	1.260%
IRA CD 36 Months	$50,000.00	1.300%	1.310%
IRA CD 36 Months	$100,000.00 and over	1.350%	1.360%
IRA CD 48 Months	$1,000.00	0.600%	0.600%
IRA CD 48 Months	$10,000.00	1.100%	1.100%
IRA CD 48 Months	$25,000.00	1.250%	1.260%
IRA CD 48 Months	$50,000.00	1.300%	1.310%
IRA CD 48 Months	$100,000.00 and over	1.350%	1.360%
IRA CD 60 Months	$1,000.00	0.650%	0.650%
IRA CD 60 Months	$10,000.00	1.150%	1.150%
IRA CD 60 Months	$25,000.00	1.300%	1.310%
IRA CD 60 Months	$50,000.00	1.350%	1.360%
IRA CD 60 Months	$100,000.00 and over	1.400%	1.410%

Please contact your local C&N 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. 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.

Mortgages

Mortgage rates are effective from December 9, 2019 until the next rate change.

Points	10/15 Year		20 Year		25/30 Year
	Rate	APR	Rate	APR	Rate	APR
0	3.375%	3.410%	3.625%	3.653%	3.750%	3.771%
1	3.000%	3.032%	3.375%	3.402%	3.375%	3.394%
2	2.875%	2.906%	3.125%	3.150%	3.250%	3.269%
3

See payment examples in our Conforming Mortgage Disclosure. Rates above are for conforming purchase money fixed rate loans between $60,000 and $417,000 up to 95% LTV with median credit score above 740. (Less than 20% down requires PMI). Loan rates and points are subject to Loan to Value and credit score. Loans subject to credit approal. Certain restrictions apply based on credit evaluation. Rates may change at any time without notice.

Home Equity Lines of Credit

Home Equity rates are effective from October 31, 2019 until the next rate change.

	Pennsylvania	New York
Annual Percentage Rate	5.250%	5.375%
Index	4.750%	4.750%
Margin	0.500%	0.625%

*$10,000 minimum *Floor of 3.99% *Maximum rate of 18% **Home Equity Line of Credit Application Fee: $199.00 (estimate). A $30.00 annual fee will be charged. Loans subject to credit approval. The rate is variable and rates are subject to change. Property insurance is required. Rates shown are for PA and NY properties. *Loans Subject To Credit Approval. *APY is annual percentage yield.

Deposit Accounts

Annual Percentage Yields (APYs) are effective for accounts opened from December 9, 2019 and until the next yield change, which is typically weekly.

	To Earn APY	Current Rate	Annual % Yield
Business Interest Checking	$500.00	.050%	.050%
Business Interest Checking	$2,500.00	0.700%	0.700%
Key Savings	$200.00	.100%	.100%
Savings / Christmas Club	$0.00	.100%	.100%
C&N Merit Checking*	$0.00	.350%	.350%
C&N Merit Checking*	$30,000.01	0.100%	0.100%
Super Money Fund	$500.00	.050%	.050%
Super Money Fund	$5,000.00	.150%	.150%
Super Money Fund	$20,000.00	.250%	.250%
Super Money Fund	$50,000.00	.300%	.300%
Super Money Fund	$100,000.00	.400%	.400%
Super Money Fund	$250,000.00	.500%	.500%
Super Money Fund	$500,000.00	.600%	.600%
Business Super Money Fund	$500.00	.050%	.050%
Business Super Money Fund	$5,000.00	.150%	.150%
Business Super Money Fund	$20,000.00	.250%	.250%
Business Super Money Fund	$50,000.00	.300%	.300%
Business Super Money Fund	$100,000.00	.400%	.400%
Business Super Money Fund	$250,000.00	.500%	.500%
Business Super Money Fund	$500,000.00	.600%	.600%

*C&N Merit non-qualifying accounts - .05% APY These rates may change after the account is opened. Fees may reduce earnings. Please contact your local Citizens & Northern branch for our Truth-In-Savings Disclosure for complete details. APY is annual percentage yield.