Citizens & Northern Bank
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 0.35% | Reward Checking | 2.06% - National Average |
| 1.76% | 5-year CD | 3.10% - Synchrony Bank 60 Month CD |
| 1.15% | 1-year CD | 2.65% - Barclays 12 Month Online CD |
Citizens & Northern Bank is headquartered in Wellsboro and is the 28th largest bank in the state of Pennsylvania. It is also the 618th largest bank in the nation. It was established in 1864 and as of September of 2018, it had grown to 297 employees at 26 locations. Citizens & Northern Bank's money market rates are 36% higher than the national average, and it has an A health rating.
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Great Service And Rates!
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
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!
Data as of Q3 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 7799 |
| Year Established | 1864 |
| Employees | 297 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.76% |
| Return on Equity - YTD | 13.37% |
| Annual Interest Income | $36.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2018vs Q3 2017 | $1.27B$1.25B |
| Loans | Q3 2018vs Q3 2017 | $814.3MM$792.5MM |
| Deposits | Q3 2018vs Q3 2017 | $1.05B$1.03B |
| Equity Capital | Q3 2018vs Q3 2017 | $168.0MM$169.4MM |
| Loan Loss Allowance | Q3 2018vs Q3 2017 | $8.8MM$8.9MM |
| Unbacked Noncurrent Loans | Q3 2018vs Q3 2017 | $12.7MM$14.3MM |
| Real Estate Owned | Q3 2018vs Q3 2017 | $2.7MM$1.7MM |
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.
Citizens & Northern Bank Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.10% | - | - | Savings Account | |
| 0.10% | - | - | Christmas Club | |
| 0.10% | $200 | - | Key Savings |
Citizens & Northern Bank Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.60%* | $500k* | - | Consumer Super Money Fund | ||
| OTHER TIERS: 0.05% → $500 - $5k | 0.15% → $5k - $20k | 0.25% → $20k - $50k | 0.30% → $50k - $100k | 0.40% → $100k - $250k | 0.50% → $250k - $500k | |||||
| 0.60%* | $500k* | - | Business Super Money Fund | ||
| OTHER TIERS: 0.05% → $500 - $5k | 0.15% → $5k - $20k | 0.25% → $20k - $50k | 0.30% → $50k - $100k | 0.40% → $100k - $250k | 0.50% → $250k - $500k | |||||
Citizens & Northern Bank Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.70%* | $500* | $2.5k | Business Interest Checking | ||
| OTHER TIERS: 0.05% → $2.5k+ | |||||
| 0.35%* | - | $30k | C&N Merit Checking | ||
| OTHER TIERS: 0.10% → $30k+ | |||||
Citizens & Northern Bank CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.17%* | $100k* | - | 60 Month CD | ||
| OTHER TIERS: 1.36% → $1k - $10k | 1.91% → $10k - $25k | 2.02% → $25k - $50k | 2.07% → $50k - $100k | |||||
| 2.12%* | $100k* | - | 48 Month CD | ||
| OTHER TIERS: 1.26% → $1k - $10k | 1.86% → $10k - $25k | 1.96% → $25k - $50k | 2.02% → $50k - $100k | |||||
| 2.07%* | $100k* | - | 36 Month CD | ||
| OTHER TIERS: 1.21% → $1k - $10k | 1.81% → $10k - $25k | 1.91% → $25k - $50k | 1.96% → $50k - $100k | |||||
| 2.02% | $100k | - | Roll Up Jumbo 60 Month CD | ||
| 2.02%* | $100k* | - | e-z Access Flex 27 Month CD | ||
| OTHER TIERS: 0.10% → $500 - $10k | 1.76% → $10k - $100k | |||||
| 1.96% | $100k | - | Roll Up Jumbo 48 Month CD | ||
| 1.91% | $100k | - | Roll Up Jumbo 36 Month CD | ||
| 1.76% | $10k | - | Roll Up 60 Month CD | ||
| 1.71% | $10k | - | Roll Up 48 Month CD | ||
| 1.66% | $10k | - | Roll Up 36 Month CD | ||
| 1.31%* | $100k* | - | 24 Month CD | ||
| OTHER TIERS: 0.55% → $1k - $10k | 1.05% → $10k - $25k | 1.21% → $25k - $50k | 1.26% → $50k - $100k | |||||
| 1.21%* | $100k* | - | 18 Month CD | ||
| OTHER TIERS: 0.45% → $1k - $10k | 1.00% → $10k - $25k | 1.10% → $25k - $50k | 1.15% → $50k - $100k | |||||
| 1.15%* | $100k* | - | 12 Month CD | ||
| OTHER TIERS: 0.40% → $1k - $10k | 0.90% → $10k - $25k | 1.05% → $25k - $50k | 1.10% → $50k - $100k | |||||
| 1.00%* | $100k* | - | 6 Month CD | ||
| OTHER TIERS: 0.25% → $1k - $10k | 0.80% → $10k - $25k | 0.90% → $25k - $50k | 0.95% → $50k - $100k | |||||
| 0.20%* | $5k* | - | e-z Access Advantage 36 Month CD | ||
| OTHER TIERS: 0.10% → $500 - $5k | |||||
Citizens & Northern Bank IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.17%* | $100k* | - | 60 Month IRA CD | ||
| OTHER TIERS: 1.36% → $1k - $10k | 1.91% → $10k - $25k | 2.02% → $25k - $50k | 2.07% → $50k - $100k | |||||
| 2.12%* | $100k* | - | 48 Month IRA CD | ||
| OTHER TIERS: 1.26% → $1k - $10k | 1.86% → $10k - $25k | 1.96% → $25k - $50k | 2.02% → $50k - $100k | |||||
| 2.07%* | $100k* | - | 36 Month IRA CD | ||
| OTHER TIERS: 1.21% → $1k - $10k | 1.81% → $10k - $25k | 1.91% → $25k - $50k | 1.96% → $50k - $100k | |||||
| 0.25% | - | - | 18 Month IRA Variable CD | ||
