For more information on Savings/Club Accounts please contact us at one of our local offices.

Citizens & Northern Bank offers a full line of savings accounts to serve all kinds of financial needs, from the small depositor to the large. All savings accounts earn competitive rates. Please call any C&N office for current rates and Annual Percentage Yields.

Super Money Fund

  • More than five different rates for different balance levels.
  • Available to consumers and businesses.
  • Higher yields than traditional products.
  • Free wallet style checks in a basic design.
  • Limited check writing and transaction capability.
  • Interest credited monthly.

Key Savings

  • Interest paid on balances of $200 or more.
  • Open as stand-alone account or in companion with a C&N checking account.
  • Interest is credited quarterly.
  • Key Savings Youth Accounts available for account owners under age 19. No minimum balance requirements for these accounts.

Savings Clubs

  • Save for holidays, vacation, taxes - anything you'd like.
  • Open at any time with as little as a penny!
  • Payable in month of customer's choosing.
  • Partial withdrawals not allowed.

Ju$t For Kid$

  • Savings account open to youths age 12 and under with the consent of a parent or grandparent.
  • $5.00 to open.
  • Regular savings rates apply.
  • Members receive birthday cards.
  • Members receive semi-annual newsletter.
  • Members receive a Sammy Saver shirt on account opening.