Citizens & Northern Bank

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Based on 2 reviews

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CURRENT TOP RATE

60 Month IRA CD

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
0.35%	Reward Checking	2.15% - National Average
1.76%	5-year CD	3.10% - Barclays 60 Month Online CD
1.15%	1-year CD	2.75% - Barclays 12 Month Online CD

View all Citizens & Northern Bank rates »

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 28^th largest bank in the state of Pennsylvania. It is also the 620^th largest bank in the nation. It was established in 1864 and as of December of 2018, it had grown to 299 employees at 25 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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2009

12/17 - 3.00% Reward Checking Account at Citizens & Northern Bank in PA - Local Only

Reviews (2)

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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.

Comment

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!

Comment

1

Health

A

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	7799
Year Established	1864
Employees	299
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.78%
Return on Equity - YTD	13.37%
Annual Interest Income	$50.1MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$1.28B$1.26B
Loans	Q4 2018vs Q4 2017	$818.5MM$807.6MM
Deposits	Q4 2018vs Q4 2017	$1.04B$1.02B
Equity Capital	Q4 2018vs Q4 2017	$174.8MM$166.6MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$9.3MM$8.9MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$14.7MM$16.4MM
Real Estate Owned	Q4 2018vs Q4 2017	$1.7MM$1.6MM

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

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
0.80%^*	$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
2.37%^*	$100k^*	-	e-z Access Flex 27 Month CD
OTHER TIERS: 0.10% → $500 - $10k \| 2.12% → $10k - $100k
2.27%^*	$100k^*	-	13 Month CD Special
OTHER TIERS: 2.02% → $10k - $100k
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
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
2.42%^*	$100k^*	-	60 Month IRA CD
OTHER TIERS: 1.61% → $1k - $10k \| 2.17% → $10k - $25k \| 2.27% → $25k - $50k \| 2.32% → $50k - $100k
2.37%^*	$100k^*	-	48 Month IRA CD
OTHER TIERS: 1.51% → $1k - $10k \| 2.12% → $10k - $25k \| 2.22% → $25k - $50k \| 2.27% → $50k - $100k
2.32%^*	$100k^*	-	36 Month IRA CD
OTHER TIERS: 1.46% → $1k - $10k \| 2.07% → $10k - $25k \| 2.17% → $25k - $50k \| 2.22% → $50k - $100k
0.25%	-	-	18 Month IRA Variable CD

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Elmira Area

Elmira Area bank & credit union details

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