Certificates of Deposit Rates

Annual Percentage Yields are effective for accounts opened from 02-25-2015 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% .20%
*IRA/ESA Variable CD 18 Month $0.00 .250% .25%
6 Months      
  $1,000.00 .050% .05%
  $10,000.00 .100% .10%
  $25,000.00 .150% .15%
  $50,000.00 .200% .20%
  $100,000.00 .250% .25%
12 Months      
  $1,000.00 .100% .10%
  $10,000.00 .150% .15%
  $25,000.00 .200% .20%
  $50,000.00 .250% .25%
  $100,000.00 .350% .35%
18 Months      
  $1,000.00 .150% .15%
  $10,000.00 .200% .20%
  $25,000.00 .250% .25%
  $50,000.00 .300% .30%
  $100,000.00 .400% .40%
24 Months      
  $1,000.00 .200% .20%
  $10,000.00 .300% .30%
  $25,000.00 .400% .40%
  $50,000.00 .450% .45%
  $100,000.00 .500% .50%
IRA CD 36 Months      
  $1,000.00 .250% .25%
  $10,000.00 .650% .65%
  $25,000.00 .800% .80%
  $50,000.00 .850% .85%
  $100,000.00 .900% .90%
IRA CD 48 Months      
  $1,000.00 .500% .50%
  $10,000.00 1.000% 1.00%
  $25,000.00 1.150% 1.15%
  $50,000.00 1.200% 1.21%
  $100,000.00 1.250% 1.26%
IRA CD 60 Months      
  $1,000.00 .750% .75%
  $10,000.00 1.250% 1.26%
  $25,000.00 1.400% 1.41%
  $50,000.00 1.450% 1.46%
  $100,000.00 1.500% 1.51%

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An interest penalty may be assessed if a certificate of deposit is withdrawn before maturity.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.