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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.
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Annual Percentage Yields (APYs) are effective for accounts opened from August 10, 2022 and until the next yield change, which is typically weekly.
| Term | MinBalance | Rate | APY |
|---|---|---|---|
| 12 Months | $1,000.00 | .700% | .70% |
| 12 Months | $10,000.00 | .750% | .75% |
| 12 Months | $25,000.00 | .800% | .80% |
| 12 Months | $50,000.00 | .850% | .85% |
| 12 Months | $100,000.00 and over | .900% | .90% |
| 18 Months | $1,000.00 | .800% | .80% |
| 18 Months | $10,000.00 | .850% | .85% |
| 18 Months | $25,000.00 | .900% | .90% |
| 18 Months | $50,000.00 | .950% | .95% |
| 18 Months | $100,000.00 and over | 1.000% | 1.00% |
| 24 Months | $1,000.00 | .800% | .80% |
| 24 Months | $10,000.00 | .850% | .85% |
| 24 Months | $25,000.00 | .900% | .90% |
| 24 Months | $50,000.00 | .950% | .95% |
| 24 Months | $100,000.00 and over | 1.050% | 1.05% |
| 36 Months | $1,000.00 | .850% | .85% |
| 36 Months | $10,000.00 | .900% | .90% |
| 36 Months | $25,000.00 | 1.100% | 1.10% |
| 36 Months | $50,000.00 | 1.150% | 1.15% |
| 36 Months | $100,000.00 and over | 1.200% | 1.21% |
| 48 Months | $1,000.00 | .900% | .90% |
| 48 Months | $10,000.00 | 1.100% | 1.10% |
| 48 Months | $25,000.00 | 1.350% | 1.36% |
| 48 Months | $50,000.00 | 1.400% | 1.41% |
| 48 Months | $100,000.00 and over | 1.450% | 1.46% |
| 6 Months | $1,000.00 | .400% | .40% |
| 6 Months | $10,000.00 | .450% | .45% |
| 6 Months | $25,000.00 | .500% | .50% |
| 6 Months | $50,000.00 | .550% | .55% |
| 6 Months | $100,000.00 and over | .600% | .60% |
| 60 Months | $1,000.00 | 1.000% | 1.00% |
| 60 Months | $10,000.00 | 1.300% | 1.31% |
| 60 Months | $25,000.00 | 1.550% | 1.56% |
| 60 Months | $50,000.00 | 1.600% | 1.61% |
| 60 Months | $100,000.00 and over | 1.650% | 1.66% |
| e-z Access Advantage CD 36 Months | $5,000.00 | .200% | .20% |
| e-z Access Flex CD - 27 Month | $10,000.00 | .850% | .85% |
| e-z Access Flex CD - 27 Month | $100,000.00 and over | 1.100% | 1.11% |
| *IRA/ESA Variable CD 18 Month | $0.00 | .250% | .25% |
| IRA CD 36 Months | $1,000.00 | .850% | .85% |
| IRA CD 36 Months | $10,000.00 | .900% | .90% |
| IRA CD 36 Months | $25,000.00 | 1.100% | 1.10% |
| IRA CD 36 Months | $50,000.00 | 1.150% | 1.15% |
| IRA CD 36 Months | $100,000.00 and over | 1.200% | 1.21% |
| IRA CD 48 Months | $1,000.00 | .900% | .90% |
| IRA CD 48 Months | $10,000.00 | 1.100% | 1.10% |
| IRA CD 48 Months | $25,000.00 | 1.350% | 1.36% |
| IRA CD 48 Months | $50,000.00 | 1.400% | 1.41% |
| IRA CD 48 Months | $100,000.00 and over | 1.450% | 1.46% |
| IRA CD 60 Months | $1,000.00 | 1.000% | 1.00% |
| IRA CD 60 Months | $10,000.00 | 1.300% | 1.31% |
| IRA CD 60 Months | $25,000.00 | 1.550% | 1.56% |
| IRA CD 60 Months | $50,000.00 | 1.600% | 1.61% |
| IRA CD 60 Months | $100,000.00 and over | 1.650% | 1.66% |
| Roll Up 36 Month CD* | $10,000.00 | .900% | .90% |
| Roll Up 48 Month CD* | $10,000.00 | 1.100% | 1.10% |
| Roll Up 60 Month CD* | $10,000.00 | 1.300% | 1.31% |
| Roll Up Jumbo 36 Month CD* | $100,000.00 and over | 1.200% | 1.21% |
| Roll Up Jumbo 48 Month CD* | $100,000.00 and over | 1.450% | 1.46% |
| Roll Up Jumbo 60 Month CD* | $100,000.00 and over | 1.650% | 1.66% |
Due to the unpredictability of mortgage rates at this time, please contact your local C&N office to discuss rates in further detail.
Mortgages
| Points | 10/15 Year | 20 Year | 25/30 Year |
|---|---|---|---|
| Rate / APR | Rate / APR | Rate / APR | |
| 0 | |||
| 2 | |||
| 3 |
Home Equity Line & Lock rates are effective from July 28, 2022 until the next rate change.
| Credit Scores 740 and greater: | |
| Annual Percentage Rate | 5.500% |
| Index | 5.500% |
| Margin | 0.000% |
| Credit Scores 739 and below: | |
| Annual Percentage Rate | 5.750% |
| Index | 5.500% |
| Margin | 0.250% |
Line is variable rate based on Wall Street Journal Prime and can change at any time. Maximum rate is 18.00%. No closing costs at account openingexcept for borrower’s share of New York mortgage tax for properties in New York; other costs will be recovered if the line is paid off and closed within three years of the closing date. If the line is paid off and closed within three years of the closing date there is a recapture fee for all closing costs paid on your behalf by C&N. The recapture fee will range from $250-$300; other recapture costs for title insurance and appraisal will vary with location and loan amount. Additional locked portions must be for a minimum of $5,000 for a term of between 3 and 15 years at a fixed market rate for an installment payment plan. The minimum interest rate for a locked portion is 3.00% and the maximum is 18.00%. The principal and interest payments will be in an amount sufficient to repay the balance within the time frame selected. Locked portions may not exceed the term of the line. A $50 lock fee applies each time a portion of the line is locked, with the first lock fee waived. The current monthly payment for a $10,000 draw locked for 36 payments at 5% is $299.71 for Principal and Interest. Credit approval required. *APR is annual percentage rate.
Annual Percentage Yields (APYs) are effective for accounts opened from August 10, 2022 and until the next yield change, which is typically weekly.
| Product | To Earn APY | Current Rate | Annual % Yield |
|---|---|---|---|
| Business Interest Checking | $500.00 | .050% | .05% |
| Business Interest Checking | $1,000.00 | .050% | .05% |
| Business Interest Checking | $10,000.00 | .100% | .10% |
| Business Interest Checking | $50,000.00 | .150% | .15% |
| Business Interest Checking | $100,000.00 | .300% | .30% |
| Business Interest Checking | $500,000.00 | .500% | .50% |
| Business Super Money Market | $500.00 | .050% | .05% |
| Business Super Money Market | $5,000.00 | .100% | .10% |
| Business Super Money Market | $20,000.00 | .150% | .15% |
| Business Super Money Market | $50,000.00 | .300% | .30% |
| Business Super Money Market | $100,000.00 | .400% | .40% |
| Business Super Money Market | $250,000.00 | .550% | .55% |
| Business Super Money Market | $500,000.00 | .650% | .65% |
| C&N Merit Checking* | $0.00 | .350% | .35% |
| C&N Merit Checking* | $30,000.01 | .100% | .10% |
| Super Money Fund | $500.00 | .050% | .05% |
| Super Money Fund | $5,000.00 | .100% | .10% |
| Super Money Fund | $20,000.00 | .150% | .15% |
| Super Money Fund | $50,000.00 | .300% | .30% |
| Super Money Fund | $100,000.00 | .400% | .40% |
| Super Money Fund | $250,000.00 | .550% | .55% |
| Super Money Fund | $500,000.00 | .650% | .65% |
| Key Savings | $200.00 | .100% | .10% |
| Savings / Christmas Club | $0.00 | .100% | .100% |
