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Citizens & Northern Bank


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 19th largest bank in the state of Pennsylvania. It is also the 476th largest bank in the nation. It was established in 1864 and as of June of 2023, it had grown to 412 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 (3)

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

4

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

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!

1


Health
A

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #7799
Year Established1864
Employees412
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD10.22%
Annual Interest Income$53.9MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$2.46B$2.39B
LoansQ2 2023vs Q2 2022$1.80B$1.65B
DepositsQ2 2023vs Q2 2022$2.03B$1.98B
Equity CapitalQ2 2023vs Q2 2022$259.0MM$264.8MM
Loan Loss AllowanceQ2 2023vs Q2 2022$19.1MM$14.5MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$12.9MM$13.7MM
Real Estate OwnedQ2 2023vs Q2 2022$459.00K$505.00K
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%†--Savings Account
0.10%†--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
0.35%*†-$30kC&N Merit Checking
OTHER TIERS: 0.10% → $30k+

Citizens & Northern Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.27%*†$250k*-e-z Access Flex 27 Month CD
OTHER TIERS: 4.85% → $10k - $100k | 5.12% → $100k - $250k
5.12%*†$250k*-e-z Access Flex 20 Month CD
OTHER TIERS: 4.59% → $10k - $100k | 4.85% → $100k - $250k
5.02%*†$250k*-e-z Access Flex 14 Month CD
OTHER TIERS: 4.52% → $10k - $100k | 4.77% → $100k - $250k
4.68%*†$100k*-12 Month CD
OTHER TIERS: 4.37% → $1k - $10k | 4.52% → $10k - $25k | 4.58% → $25k - $50k | 4.63% → $50k - $100k
4.68%*†$100k*-18 Month CD
OTHER TIERS: 4.37% → $1k - $10k | 4.52% → $10k - $25k | 4.58% → $25k - $50k | 4.63% → $50k - $100k
4.42%*†$100k*-24 Month CD
OTHER TIERS: 4.11% → $1k - $10k | 4.27% → $10k - $25k | 4.32% → $25k - $50k | 4.37% → $50k - $100k
4.06%*†$100k*-6 Month CD
OTHER TIERS: 3.55% → $1k - $10k | 3.65% → $10k - $25k | 3.75% → $25k - $50k | 3.91% → $50k - $100k
4.06%*†$100k*-36 Month CD
OTHER TIERS: 3.75% → $1k - $10k | 3.85% → $10k - $25k | 3.96% → $25k - $50k | 4.01% → $50k - $100k
3.91%†$100k-Roll Up Jumbo 36 Month CD
3.80%*†$100k*-48 Month CD
OTHER TIERS: 3.29% → $1k - $10k | 3.34% → $10k - $25k | 3.55% → $25k - $50k | 3.75% → $50k - $100k
3.80%*†$100k*-60 Month CD
OTHER TIERS: 3.29% → $1k - $10k | 3.34% → $10k - $25k | 3.55% → $25k - $50k | 3.75% → $50k - $100k
3.70%†$10k-Roll Up 36 Month CD
3.60%†$100k-Roll Up Jumbo 48 Month CD
3.55%†$100k-Roll Up Jumbo 60 Month CD
3.14%†$10k-Roll Up 48 Month CD
3.09%†$10k-Roll Up 60 Month CD
0.20%†$5k-e-z Access Advantage 36 Month CD

Citizens & Northern Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.06%*†$100k*-36 Month IRA CD
OTHER TIERS: 3.75% → $1k - $10k | 3.85% → $10k - $25k | 3.96% → $25k - $50k | 4.01% → $50k - $100k
3.80%*†$100k*-48 Month IRA CD
OTHER TIERS: 3.29% → $1k - $10k | 3.34% → $10k - $25k | 3.55% → $25k - $50k | 3.75% → $50k - $100k
3.80%*†$100k*-60 Month IRA CD
OTHER TIERS: 3.29% → $1k - $10k | 3.34% → $10k - $25k | 3.55% → $25k - $50k | 3.75% → $50k - $100k
0.25%†--18 Month IRA Variable CD
Locations

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