Citizens & Northern Bank

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

Citizens & Northern Bank is headquartered in Wellsboro and is the 21st largest bank in the state of Pennsylvania. It is also the 467th largest bank in the nation. It was established in 1864 and as of September of 2021, it had grown to 391 employees at 29 locations. Citizens & Northern Bank has an A health rating.

Reviews (2)

Great Service And Rates!

Posted by: |

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 and based on their responses to my inquiries, they have no plans to change this.

Customer Service

Posted by: |

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 Grade Components

FDIC Certificate #7799
Year Established1864
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.4%
Return on Equity - YTD10.95%
Annual Interest Income$63.0MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$2.34B$2.34B
LoansQ3 2021vs Q3 2020$1.57B$1.68B
DepositsQ3 2021vs Q3 2020$1.97B$1.88B
Equity CapitalQ3 2021vs Q3 2020$297.2MM$289.6MM
Loan Loss AllowanceQ3 2021vs Q3 2020$12.7MM$10.8MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$21.7MM$23.5MM
Real Estate OwnedQ3 2021vs Q3 2020$1.4MM$2.4MM
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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

0.10%--Savings Account
0.10%--Christmas Club
0.10%$200-Key Savings

Citizens & Northern Bank Money Market Rates

0.30%*$500k*-Super Money Fund
OTHER TIERS: 0.05% $500 - $5k | 0.10% $5k - $20k | 0.15% $20k - $100k | 0.20% $100k - $250k | 0.25% $250k - $500k
0.30%*$500k*-Business Super Money Fund
OTHER TIERS: 0.05% $500 - $5k | 0.10% $5k - $20k | 0.15% $20k - $100k | 0.20% $100k - $250k | 0.25% $250k - $500k

Citizens & Northern Bank Checking Account Rates

0.35%*-$30kC&N Merit Checking
OTHER TIERS: 0.10% $30k+
0.15%*$500k*-Business Interest Checking
OTHER TIERS: 0.05% $500 - $10k | 0.10% $10k - $100k | 0.12% $100k - $500k

Citizens & Northern Bank CD Rates

1.15%*$100k*-60 Month CD
OTHER TIERS: 0.40% $1k - $10k | 0.95% $10k - $25k | 1.10% $25k - $100k
1.05%$100k-Roll Up Jumbo 60 Month CD
1.00%*$100k*-48 Month CD
OTHER TIERS: 0.30% $1k - $10k | 0.75% $10k - $25k | 0.95% $25k - $100k
0.90%$100k-Roll Up Jumbo 48 Month CD
0.85%$10k-Roll Up 60 Month CD
0.75%*$100k*-36 Month CD
OTHER TIERS: 0.20% $1k - $10k | 0.50% $10k - $25k | 0.70% $25k - $100k
0.70%$100k-Roll Up Jumbo 36 Month CD
0.65%$10k-Roll Up 48 Month CD
0.60%*$100k*-e-z Access Flex 27 Month CD
OTHER TIERS: 0.40% $10k - $100k
0.45%$10k-Roll Up 36 Month CD
0.45%*$100k*-24 Month CD
OTHER TIERS: 0.15% $1k - $10k | 0.30% $10k - $25k | 0.40% $25k - $100k
0.30%*$100k*-18 Month CD
OTHER TIERS: 0.15% $1k - $10k | 0.25% $10k - $100k
0.20%$5k-e-z Access Advantage 36 Month CD
0.20%*$10k*-12 Month CD
OTHER TIERS: 0.15% $1k - $10k
0.15%*$10k*-6 Month CD
OTHER TIERS: 0.10% $1k - $10k

Citizens & Northern Bank IRA Rates

1.15%*$100k*-60 Month IRA CD
OTHER TIERS: 0.40% $1k - $10k | 0.95% $10k - $25k | 1.10% $25k - $100k
1.00%*$100k*-48 Month IRA CD
OTHER TIERS: 0.30% $1k - $10k | 0.75% $10k - $25k | 0.95% $25k - $100k
0.75%*$100k*-36 Month IRA CD
OTHER TIERS: 0.20% $1k - $10k | 0.50% $10k - $25k | 0.70% $25k - $100k
0.25%--18 Month IRA Variable CD


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