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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 20th largest bank in the state of Pennsylvania. It is also the 471st largest bank in the nation. It was established in 1864 and as of June of 2024, it had grown to 381 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 Q2 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #7799
Year Established1864
Employees381
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD8.87%
Annual Interest Income$61.5MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$2.58B$2.46B
LoansQ2 2024vs Q2 2023$1.87B$1.8B
DepositsQ2 2024vs Q2 2023$2.07B$2.03B
Equity CapitalQ2 2024vs Q2 2023$273.7MM$259MM
Loan Loss AllowanceQ2 2024vs Q2 2023$20.4MM$19.1MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$18.6MM$12.9MM
Real Estate OwnedQ2 2024vs Q2 2023$181K$459K
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
4.45%*$100k*-10 Month CD Special - New Money
OTHER TIERS: 4.20% → $10k - $100k
4.32%*†$100k*-6 Month CD
OTHER TIERS: 3.65% → $1k - $10k | 3.80% → $10k - $25k | 4.11% → $25k - $50k | 4.27% → $50k - $100k
4.16%*†$100k*-12 Month CD
OTHER TIERS: 3.49% → $1k - $10k | 3.65% → $10k - $25k | 3.96% → $25k - $50k | 4.11% → $50k - $100k
4.02%*†$250k*-e-z Access Flex 14 Month CD
OTHER TIERS: 3.61% → $10k - $100k | 3.97% → $100k - $250k
4.01%*†$100k*-18 Month CD
OTHER TIERS: 3.34% → $1k - $10k | 3.49% → $10k - $25k | 3.80% → $25k - $50k | 3.96% → $50k - $100k
3.91%*†$100k*-24 Month CD
OTHER TIERS: 3.24% → $1k - $10k | 3.39% → $10k - $25k | 3.70% → $25k - $50k | 3.85% → $50k - $100k
3.87%*†$250k*-e-z Access Flex 20 Month CD
OTHER TIERS: 3.51% → $10k - $100k | 3.82% → $100k - $250k
3.80%*†$100k*-36 Month CD
OTHER TIERS: 3.14% → $1k - $10k | 3.29% → $10k - $25k | 3.60% → $25k - $50k | 3.75% → $50k - $100k
3.80%*†$100k*-48 Month CD
OTHER TIERS: 3.14% → $1k - $10k | 3.29% → $10k - $25k | 3.60% → $25k - $50k | 3.75% → $50k - $100k
3.80%*†$100k*-60 Month CD
OTHER TIERS: 3.14% → $1k - $10k | 3.29% → $10k - $25k | 3.60% → $25k - $50k | 3.75% → $50k - $100k
3.76%*†$250k*-e-z Access Flex 27 Month CD
OTHER TIERS: 3.35% → $10k - $100k | 3.71% → $100k - $250k
3.55%†$100k-Roll Up Jumbo 36 Month CD
3.49%†$100k-Roll Up Jumbo 48 Month CD
3.44%†$100k-Roll Up Jumbo 60 Month CD
3.03%†$10k-Roll Up 36 Month CD
2.98%†$10k-Roll Up 48 Month CD
2.93%†$10k-Roll Up 60 Month CD
0.20%†$5k-e-z Access Advantage 36 Month CD

Citizens & Northern Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%*†$100k*-36 Month IRA CD
OTHER TIERS: 3.14% → $1k - $10k | 3.29% → $10k - $25k | 3.60% → $25k - $50k | 3.75% → $50k - $100k
3.80%*†$100k*-48 Month IRA CD
OTHER TIERS: 3.14% → $1k - $10k | 3.29% → $10k - $25k | 3.60% → $25k - $50k | 3.75% → $50k - $100k
3.80%*†$100k*-60 Month IRA CD
OTHER TIERS: 3.14% → $1k - $10k | 3.29% → $10k - $25k | 3.60% → $25k - $50k | 3.75% → $50k - $100k
0.25%†$0-18 Month IRA Variable CD
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