2. Citizens & Northern Bank

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 23rd largest bank in the state of Pennsylvania. It is also the 534th largest bank in the nation. It was established in 1864 and as of June of 2019, it had grown to 332 employees at 27 locations. Citizens & Northern Bank's CD rates are 62% higher than the national average, and it boasts an A+ health rating.

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Reviews (2)

Great Service And Rates!

Posted by: Lurch7284 | Sep 13, 2010

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.

3

Customer Service

Posted by: Anonymous | Apr 4, 2012

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 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #7799
Year Established1864
Employees332
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.32%
Return on Equity - YTD9.64%
Annual Interest Income$30.0MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$1.59B$1.27B
LoansQ2 2019vs Q2 2018$1.11B$810.0MM
DepositsQ2 2019vs Q2 2018$1.29B$1.05B
Equity CapitalQ2 2019vs Q2 2018$224.0MM$167.1MM
Loan Loss AllowanceQ2 2019vs Q2 2018$8.2MM$8.8MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$10.8MM$13.2MM
Real Estate OwnedQ2 2019vs Q2 2018$3.3MM$2.9MM
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Savings Account
0.10%--Christmas Club
0.10%$200-Key Savings

Citizens & Northern Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%*$2.5k*-Business Interest Checking
OTHER TIERS: 0.05% → $500 - $2.5k
0.35%*-$30kC&N Merit Checking
OTHER TIERS: 0.10% → $30k+

Citizens & Northern Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$100k*-6 Month CD
OTHER TIERS: 0.80% → $1k - $10k | 1.31% → $10k - $25k | 1.41% → $25k - $50k | 1.46% → $50k - $100k
1.46%*$100k*-12 Month CD
OTHER TIERS: 0.70% → $1k - $10k | 1.26% → $10k - $25k | 1.36% → $25k - $50k | 1.41% → $50k - $100k
1.36%*$100k*-18 Month CD
OTHER TIERS: 0.60% → $1k - $10k | 1.15% → $10k - $25k | 1.26% → $25k - $50k | 1.31% → $50k - $100k
1.26%*$100k*-24 Month CD
OTHER TIERS: 0.55% → $1k - $10k | 1.05% → $10k - $25k | 1.15% → $25k - $50k | 1.21% → $50k - $100k
1.26%*$100k*-e-z Access Flex 27 Month CD
OTHER TIERS: 1.06% → $10k - $100k
1.21%*$100k*-36 Month CD
OTHER TIERS: 0.50% → $1k - $10k | 1.00% → $10k - $25k | 1.10% → $25k - $50k | 1.15% → $50k - $100k
1.21%*$100k*-48 Month CD
OTHER TIERS: 0.50% → $1k - $10k | 1.00% → $10k - $25k | 1.10% → $25k - $50k | 1.15% → $50k - $100k
1.21%*$100k*-60 Month CD
OTHER TIERS: 0.50% → $1k - $10k | 1.00% → $10k - $25k | 1.10% → $25k - $50k | 1.15% → $50k - $100k
1.10%$100k-Roll Up Jumbo 36 Month CD
1.10%$100k-Roll Up Jumbo 48 Month CD
1.10%$100k-Roll Up Jumbo 60 Month CD
0.90%$10k-Roll Up 36 Month CD
0.90%$10k-Roll Up 48 Month CD
0.90%$10k-Roll Up 60 Month CD
0.20%$5k-e-z Access Advantage 36 Month CD

Citizens & Northern Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%*$100k*-36 Month IRA CD
OTHER TIERS: 0.50% → $1k - $10k | 1.00% → $10k - $25k | 1.10% → $25k - $50k | 1.15% → $50k - $100k
1.21%*$100k*-48 Month IRA CD
OTHER TIERS: 0.50% → $1k - $10k | 1.00% → $10k - $25k | 1.10% → $25k - $50k | 1.15% → $50k - $100k
1.21%*$100k*-60 Month IRA CD
OTHER TIERS: 0.50% → $1k - $10k | 1.00% → $10k - $25k | 1.10% → $25k - $50k | 1.15% → $50k - $100k
0.25%--18 Month IRA Variable CD
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