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Citizens & Northern Bank

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
0.35%Reward CheckingC&N Merit Checking
1.51%5-year CDRoll Up 60 Month CD
0.80%1-year CD12 Month CD

Overview / Commentary
570-724-3411
90-92 Main Street
Wellsboro, PA 16901

Citizens & Northern Bank is headquartered in Wellsboro and is the 26th largest bank in the state of Pennsylvania. It is also the 623rd largest bank in the nation. It was established in 1864 and as of March of 2017, it had grown to 289 employees at 26 locations. Citizens & Northern Bank has an A health rating.

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Reviews (2)

Great Service And Rates!

Posted by: Lurch7284 | Sep 13, 2010

I opened an account with C&N's NY affiliate (First State Bank) in January 2009.  I was originally attracted by the high rewards check rates (3.5% at the time), however the rates have dropped to 2% since then.

 

I don't live near a branch office, so most of my activity is carried out online.  However, when I've needed assistance the staff has been really accomodating.

 

My one complaint is that C&N is not compatible with Mint.com and based on their responses to my inquiries, they have no plans to change this.

Customer Service

Posted by: Anonymous | Apr 4, 2012

The telephone answering system is hopeless! I spent more than 15 minutes waiting on hold being forced to listen to advertisements and a particularly annoying jingle. I must also mention that I was returning a call from a message left on my home answering machine. It turns out that the bank was calling to report an error they had made on my account. Now I'm even more angry!



Health

Health Grade Components

Overall
FDIC Certificate #7799
Year Established1864
Employees289
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.13%
Return on Equity - YTD8.35%
Annual Interest Income$11.0MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$1.22B$1.20B
LoansQ1 2017vs Q1 2016$753.4MM$694.5MM
DepositsQ1 2017vs Q1 2016$986.8MM$960.0MM
Equity CapitalQ1 2017vs Q1 2016$166.4MM$170.9MM
Loan Loss AllowanceQ1 2017vs Q1 2016$8.7MM$7.7MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$13.2MM$13.8MM
Real Estate OwnedQ1 2017vs Q1 2016$1.9MM$1.6MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens & Northern Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Savings Account
0.10%--Christmas Club
0.10%$200-Key Savings

Citizens & Northern Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$500k*-Consumer Super Money Fund
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $100k | 0.15% $100k - $250k | 0.25% $250k - $500k
0.35%*$500k*-Business Super Money Fund
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $100k | 0.15% $100k - $250k | 0.25% $250k - $500k

Citizens & Northern Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$500*$2,500Business Interest Checking
OTHER TIERS: 0.05% $2,500+
0.35%*-$30kC&N Merit Checking
OTHER TIERS: 0.10% $30k+

Citizens & Northern Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.96%*$100k*-60 Month CD
OTHER TIERS: 1.21% $1k - $10k | 1.71% $10k - $25k | 1.86% $25k - $50k | 1.91% $50k - $100k
1.76%$100k-Roll Up Jumbo 60 Month CD
1.71%*$100k*-48 Month CD
OTHER TIERS: 0.95% $1k - $10k | 1.51% $10k - $25k | 1.61% $25k - $50k | 1.66% $50k - $100k
1.56%$100k-Roll Up Jumbo 48 Month CD
1.51%$10k-Roll Up 60 Month CD
1.41%*$100k*-36 Month CD
OTHER TIERS: 0.70% $1k - $10k | 1.21% $10k - $25k | 1.31% $25k - $50k | 1.36% $50k - $100k
1.36%$10k-Roll Up 48 Month CD
1.31%$100k-Roll Up Jumbo 36 Month CD
1.21%*$100k*-24 Month CD
OTHER TIERS: 0.45% $1k - $10k | 0.95% $10k - $25k | 1.10% $25k - $50k | 1.15% $50k - $100k
1.11%$10k-Roll Up 36 Month CD
1.10%*$100k*-18 Month CD
OTHER TIERS: 0.30% $1k - $10k | 0.90% $10k - $25k | 1.00% $25k - $50k | 1.05% $50k - $100k
0.80%*$100k*-12 Month CD
OTHER TIERS: 0.15% $1k - $10k | 0.60% $10k - $25k | 0.70% $25k - $50k | 0.75% $50k - $100k
0.70%*$100k*-6 Month CD
OTHER TIERS: 0.10% $1k - $10k | 0.50% $10k - $25k | 0.60% $25k - $50k | 0.65% $50k - $100k
0.20%*$5k*-e-z Access Advantage 36 Month CD
OTHER TIERS: 0.10% $500 - $5k

Citizens & Northern Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.96%*$100k*-IRA CD 60 Month
OTHER TIERS: 1.21% $1k - $10k | 1.71% $10k - $25k | 1.86% $25k - $50k | 1.91% $50k - $100k
1.71%*$100k*-IRA CD 48 Month
OTHER TIERS: 0.95% $1k - $10k | 1.51% $10k - $25k | 1.61% $25k - $50k | 1.66% $50k - $100k
1.61%*$250k*-IRA CD 26 Month Special
OTHER TIERS: 1.41% $10k - $100k | 1.51% $100k - $250k
1.41%*$100k*-IRA CD 36 Month
OTHER TIERS: 0.70% $1k - $10k | 1.21% $10k - $25k | 1.31% $25k - $50k | 1.36% $50k - $100k
0.25%--IRA Variable CD 18 Month
Locations

Citizens & Northern Bank has 26 locations. Click to view all Citizens & Northern Bank locations.