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Citizens & Northern Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.30%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.39%
Our Rating
3.1  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.cnbankpa.com
570-724-3411
90-92 Main Street
Wellsboro, PA 16901

Citizens & Northern Bank is headquartered in WELLSBORO and is the 20th largest bank in the state of Pennsylvania. It is also the 478th largest bank in the nation. It was established in 1864 and as of December of 2024, it had grown to 386 employees at 29 locations. Citizens & Northern Bank's money market rates are 8X the national average, and it has an A health rating.

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Reviews (1)

Checking Account

Posted by: |

Opened account online and received approval email. The same day recoeved another message that the account had not been approved and closed. 2 weeks later recieve a debit card in the mail. Does not sound as though they have their procedures in place to open an accout. Never had issue like this with any other bank.

1


Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #7799
Year Established1864
Employees386
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD9.8%
Annual Interest Income$127.7MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$2.6B$2.5B
LoansQ4 2024vs Q4 2023$1.88B$1.83B
DepositsQ4 2024vs Q4 2023$2.11B$2.03B
Equity CapitalQ4 2024vs Q4 2023$285.5MM$272.3MM
Loan Loss AllowanceQ4 2024vs Q4 2023$20MM$19.2MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$23MM$17.3MM
Real Estate OwnedQ4 2024vs Q4 2023$181K$478K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.30%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.39%
Our Rating
3.1  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/15/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Citizens & Northern Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Citizens & Northern Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%†$0-Savings Account
0.10%†$0-Christmas Club
0.10%†$300-Key Savings

Citizens & Northern Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%*†$5m*-Super Money Fund
OTHER TIERS: 0.40% → $1k - $5k | 0.55% → $5k - $20k | 0.80% → $20k - $50k | 1.06% → $50k - $100k | 1.26% → $100k - $250k | 2.27% → $250k - $500k | 2.53% → $500k+ | 2.78% → $1m - $2m | 3.04% → $2m - $5m
3.30%*†$5m*-Business Super Money Fund
OTHER TIERS: 0.40% → $1k - $5k | 0.55% → $5k - $20k | 0.80% → $20k - $50k | 1.06% → $50k - $100k | 1.26% → $100k - $250k | 2.27% → $250k - $500k | 2.53% → $500k - $1m | 2.78% → $1m - $2m | 3.04% → $2m - $5m

Citizens & Northern Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*†$500k*-Business Interest Checking
OTHER TIERS: 0.10% → $1k - $10k | 0.30% → $10k - $50k | 0.40% → $50k - $100k | 0.55% → $100k - $500k
0.35%*†$0$30kC&N Merit Checking
OTHER TIERS: 0.10% → $30k+

Citizens & Northern Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.37%*$100k*-8 Month CD Special - New Money
OTHER TIERS: 4.16% → $10k - $100k
4.27%*$100k*-37 Month CD Special
OTHER TIERS: 3.75% → $10k - $100k
4.11%*†$100k*-6 Month CD
OTHER TIERS: 3.44% → $1k - $10k | 3.60% → $10k - $25k | 3.91% → $25k - $50k | 4.06% → $50k - $100k
4.01%*†$100k*-12 Month CD
OTHER TIERS: 3.34% → $1k - $10k | 3.49% → $10k - $25k | 3.80% → $25k - $50k | 3.96% → $50k - $100k
3.96%*†$100k*-18 Month CD
OTHER TIERS: 3.29% → $1k - $10k | 3.44% → $10k - $25k | 3.75% → $25k - $50k | 3.91% → $50k - $100k
3.92%*†$250k*-e-z Access Flex 14 Month CD
OTHER TIERS: 3.40% → $10k - $100k | 3.87% → $100k - $250k
3.91%*†$100k*-24 Month CD
OTHER TIERS: 3.24% → $1k - $10k | 3.39% → $10k - $25k | 3.70% → $25k - $50k | 3.85% → $50k - $100k
3.91%*†$100k*-36 Month CD
OTHER TIERS: 3.24% → $1k - $10k | 3.39% → $10k - $25k | 3.70% → $25k - $50k | 3.85% → $50k - $100k
3.91%*†$100k*-48 Month CD
OTHER TIERS: 3.24% → $1k - $10k | 3.39% → $10k - $25k | 3.70% → $25k - $50k | 3.85% → $50k - $100k
3.91%*†$100k*-60 Month CD
OTHER TIERS: 3.24% → $1k - $10k | 3.39% → $10k - $25k | 3.70% → $25k - $50k | 3.85% → $50k - $100k
3.82%*†$250k*-e-z Access Flex 20 Month CD
OTHER TIERS: 3.30% → $10k - $100k | 3.76% → $100k - $250k
3.76%*†$250k*-e-z Access Flex 27 Month CD
OTHER TIERS: 3.20% → $10k - $100k | 3.71% → $100k - $250k
3.44%†$100k-Roll Up Jumbo 36 Month CD
3.34%†$100k-Roll Up Jumbo 48 Month CD
3.29%†$100k-Roll Up Jumbo 60 Month CD
2.93%†$10k-Roll Up 36 Month CD
2.83%†$10k-Roll Up 48 Month CD
2.78%†$10k-Roll Up 60 Month CD
0.20%†$5k-e-z Access Advantage 36 Month CD

Citizens & Northern Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.27%*$100k*-37 Month IRA Special
OTHER TIERS: 3.75% → $10k - $100k
3.91%*†$100k*-36 Month IRA CD
OTHER TIERS: 3.24% → $1k - $10k | 3.39% → $10k - $25k | 3.70% → $25k - $50k | 3.85% → $50k - $100k
3.91%*†$100k*-48 Month IRA CD
OTHER TIERS: 3.24% → $1k - $10k | 3.39% → $10k - $25k | 3.70% → $25k - $50k | 3.85% → $50k - $100k
3.91%*†$100k*-60 Month IRA CD
OTHER TIERS: 3.24% → $1k - $10k | 3.39% → $10k - $25k | 3.70% → $25k - $50k | 3.85% → $50k - $100k
0.25%†$0-18 Month IRA Variable CD
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