Current Rates

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

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Annual Percentage Yields are effective for accounts opened from 02-03-2016 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 .050% .050%
6 Months $10,000.00 .250% .250%
6 Months $25,000.00 .400% .400%
6 Months $50,000.00 .450% .450%
6 Months $100,000.00 and over .500% .500%
12 Months $1,000.00 .100% .100%
12 Months $10,000.00 .450% .450%
12 Months $25,000.00 .550% .550%
12 Months $50,000.00 .600% .600%
12 Months $100,000.00 and over .650% .650%
18 Months $1,000.00 .150% .150%
18 Months $10,000.00 .600% .600%
18 Months 25,000.00 .750% .750%
18 Months 50,000.00 .800% .800%
18 Months $100,000.00 and over .850% .850%
24 Months $1,000.00 .250% .250%
24 Months $10,000.00 .800% .800%
24 Months $25,000.00 .900% .900%
24 Months $50,000.00 .950% .950%
24 Months $100,000.00 and over 1.00% 1.00%
36 Months $1,000.00 .600% .600%
36 Months $10,000.00 1.10% 1.10%
36 Months $25,000.00 1.20% 1.21%
36 Months $50,000.00 1.25% 1.26%
36 Months $100,000.00 and over 1.30% 1.31%
48 Months $1,000.00 .750% .750%
48 Months $10,000.00 1.30% 1.31%
48 Months $25,000.00 1.40% 1.41%
48 Months $50,000.00 1.50% 1.51%
48 Months $100,000.00 and over 1.55% 1.56%
60 Months $1,000.00 1.00% 1.00%
60 Months $10,000.00 1.55% 1.56%
60 Months $25,000.00 1.65% 1.66%
60 Months $50,000.00 1.70% 1.71%
60 Months $100,000.00 and over 1.75% 1.76%
IRA CD 36 Months $1,000.00 .600% .600%
IRA CD 36 Months $10,000.00 1.10% 1.10%
IRA CD 36 Months $25,000.00 1.20% 1.21%
IRA CD 36 Months $50,000.00 1.25% 1.26%
IRA CD 36 Months $100,000.00 and over 1.30% 1.31%
IRA CD 48 Months $1,000.00 .750% .750%
IRA CD 48 Months $10,000.00 1.30% 1.31%
IRA CD 48 Months $25,000.00 1.40% 1.41%
IRA CD 48 Months $50,000.00 1.50% 1.51%
IRA CD 48 Months $100,000.00 and over 1.55% 1.56%
IRA CD 60 Months $1,000.00 1.00% 1.00%
IRA CD 60 Months $10,000.00 1.55% 1.56%
IRA CD 60 Months $25,000.00 1.65% 1.66%
IRA CD 60 Months $50,000.00 1.70% 1.71%
IRA CD 60 Months $100,000.00 and over 1.75% 1.76%

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.

APY is annual percentage yield.

Member FDIC

See payment examples in our Conforming Mortgage Disclosure.

Rates below 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.

Points 10/15 Year 20 Year 25/30 Year
Rate APR Rate APR Rate APR
0 3.000% 3.032% 3.500% 3.528% 3.875% 3.896%
1 2.875% 2.906% 3.375% 3.402% 3.750% 3.771%
2 2.750% 2.780% 3.625% 3.645%
3 3.500% 3.520%

Rates shown are for PA properties

*Loans Subject To Credit Approval.
*APR (Annual Percentage Rate)

For more information please contact:

  • Call Stacey Sickler (serving Bradford and Sullivan Counties) at 570-888-3261 or send an email
  • Call Kelly Fasse (serving Tioga and Chemung Counties) at 570-662-1111 or send an email
  • Call Todd Coolidge (serving Tioga and Potter Counties) at 570-724-0212 or send an email
  • Call Linda Gordner (serving Lycoming County and surrounding areas) at 570-546-2753 or send an email
  • Call Michelle Rae (serving Bradford County) at 570-268-3034 or send an email
  • Call Kathi Heimbach (serving Bradford and Tioga Counties) at 570-297-2426 or send an email
  • Call Brenda Whiteley (serving Sullivan and Lycoming Counties) at 570-928-8125 or send an email
  • Call Karen Good (serving Lycoming, Clinton and Centre Counties) at 570-601-3017 or send an email
  • Call Rachel Bowers (serving Bradford County) at 570-886-8420 or send an email
Pennsylvania New York
Annual Percentage Rate 4.000% 4.125%
Index 3.500% 3.500%
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.

Annual Percentage Yields are effective for accounts opened from 02-03-2016 and until the next yield change, which is typically weekly. 

Special Super Money Fund Rate Applies for Municipal Customers. Please contact your nearest office of C&N Bank.

To Earn APY Current Rate Annual % Yield
Business Interest Checking $2,500.00 .100% .10%
Business Interest Checking $500.00 .050% .05%
Key Savings $200.00 .100% .10%
Savings / Christmas Club $0.00 .100% .100%
C&N Merit Checking $0.00 .350% .35%

C&N Merit balances greater than $30,000 - .10% APY
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.