Certificates of Deposit Rates

Annual Percentage Yields are effective for accounts opened from 04-15-2015 and until the next yield change, which is typically weekly.

Special Certificates of Deposit Rates
Term Minimum Balance To Open and Earn APY Current Rate Annual Percentage Yield
37 Months    
  $10,000.00 1.000% 1.00%
  $100,000.00 1.050% 1.05%
IRA CD 37 Months    
  $10,000.00 1.000% 1.00%
  $100,000.00 1.050% 1.05%
51 Months    
  $10,000.00 1.350% 1.36%
  $100,000.00 1.400% 1.41%
IRA CD 51 Months    
  $10,000.00 1.350% 1.36%
  $100,000.00 1.400% 1.41%

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 and over .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 and over .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 and over .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 and over .500% .50%
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 and over .900% .90%
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 and over 1.250% 1.26%
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 and over 1.500% 1.51%
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 and over .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 and over 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 and over 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.