Citizens & Northern Bank

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Based on 2 reviews

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CURRENT TOP RATE

e-z Access Flex 27 Month CD

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 20^th largest bank in the state of Pennsylvania. It is also the 463^rd largest bank in the nation. It was established in 1864 and as of June of 2022, it had grown to 405 employees at 31 locations. Citizens & Northern Bank's money market rates are 4X the national average, and it has an A health rating.

Related Posts

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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

4

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 Q2 2022

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	7799
Year Established	1864
Employees	405
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.3%
Return on Equity - YTD	10.83%
Annual Interest Income	$42.9MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$2.39B$2.32B
Loans	Q2 2022vs Q2 2021	$1.65B$1.59B
Deposits	Q2 2022vs Q2 2021	$1.98B$1.96B
Equity Capital	Q2 2022vs Q2 2021	$264.8MM$296.9MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$14.5MM$12.4MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$13.7MM$23.3MM
Real Estate Owned	Q2 2022vs Q2 2021	$505.00K$1.3MM

Rates

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Savings
Money Market
Checking
CD
IRA

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* 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

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
1.71%^*^†	$5m^*	-	Super Money Fund
OTHER TIERS: 0.30% → $500 - $5k \| 0.35% → $5k - $20k \| 0.50% → $20k - $50k \| 0.65% → $50k - $100k \| 0.80% → $100k - $250k \| 1.21% → $250k - $500k \| 1.41% → $500k+ \| 1.51% → $1m - $2m \| 1.61% → $2m - $5m
1.71%^*^†	$5m^*	-	Business Super Money Fund
OTHER TIERS: 0.30% → $500 - $5k \| 0.35% → $5k - $20k \| 0.50% → $20k - $50k \| 0.65% → $50k - $100k \| 0.80% → $100k - $250k \| 1.21% → $250k - $500k \| 1.41% → $500k - $1m \| 1.51% → $1m - $2m \| 1.61% → $2m - $5m

Citizens & Northern Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%^*^†	$500k^*	-	Business Interest Checking
OTHER TIERS: 0.05% → $500 - $10k \| 0.20% → $10k - $50k \| 0.25% → $50k - $100k \| 0.40% → $100k - $500k
0.35%^*^†	-	$30k	C&N Merit Checking
OTHER TIERS: 0.10% → $30k+

Citizens & Northern Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.33%^*^†	$250k^*	-	e-z Access Flex 27 Month CD
OTHER TIERS: 2.78% → $10k - $100k \| 3.30% → $100k - $250k
3.20%^*^†	$250k^*	-	e-z Access Flex 14 Month CD
OTHER TIERS: 1.76% → $10k - $100k \| 2.17% → $100k - $250k
2.02%^*^†	$100k^*	-	12 Month CD
OTHER TIERS: 1.51% → $1k - $10k \| 1.66% → $10k - $25k \| 1.76% → $25k - $50k \| 1.86% → $50k - $100k
1.91%^*^†	$100k^*	-	18 Month CD
OTHER TIERS: 1.41% → $1k - $10k \| 1.56% → $10k - $25k \| 1.71% → $25k - $50k \| 1.86% → $50k - $100k
1.91%^*^†	$100k^*	-	24 Month CD
OTHER TIERS: 1.41% → $1k - $10k \| 1.56% → $10k - $25k \| 1.71% → $25k - $50k \| 1.86% → $50k - $100k
1.91%^*^†	$100k^*	-	36 Month CD
OTHER TIERS: 1.31% → $1k - $10k \| 1.56% → $10k - $25k \| 1.71% → $25k - $50k \| 1.86% → $50k - $100k
1.91%^*^†	$100k^*	-	48 Month CD
OTHER TIERS: 1.31% → $1k - $10k \| 1.56% → $10k - $25k \| 1.71% → $25k - $50k \| 1.86% → $50k - $100k
1.91%^*^†	$100k^*	-	60 Month CD
OTHER TIERS: 1.31% → $1k - $10k \| 1.56% → $10k - $25k \| 1.71% → $25k - $50k \| 1.86% → $50k - $100k
1.71%^*^†	$100k^*	-	6 Month CD
OTHER TIERS: 1.26% → $1k - $10k \| 1.36% → $10k - $25k \| 1.51% → $25k - $50k \| 1.61% → $50k - $100k
1.71%^†	$100k	-	Roll Up Jumbo 36 Month CD
1.71%^†	$100k	-	Roll Up Jumbo 48 Month CD
1.71%^†	$100k	-	Roll Up Jumbo 60 Month CD
1.36%^†	$10k	-	Roll Up 36 Month CD
1.36%^†	$10k	-	Roll Up 48 Month CD
1.36%^†	$10k	-	Roll Up 60 Month CD
0.20%^†	$5k	-	e-z Access Advantage 36 Month CD

Citizens & Northern Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.91%^*^†	$100k^*	-	36 Month IRA CD
OTHER TIERS: 1.31% → $1k - $10k \| 1.56% → $10k - $25k \| 1.71% → $25k - $50k \| 1.86% → $50k - $100k
1.91%^*^†	$100k^*	-	48 Month IRA CD
OTHER TIERS: 1.31% → $1k - $10k \| 1.56% → $10k - $25k \| 1.71% → $25k - $50k \| 1.86% → $50k - $100k
1.91%^*^†	$100k^*	-	60 Month IRA CD
OTHER TIERS: 1.31% → $1k - $10k \| 1.56% → $10k - $25k \| 1.71% → $25k - $50k \| 1.86% → $50k - $100k
0.25%^†	-	-	18 Month IRA Variable CD

Locations

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Elmira Area

Elmira Area bank & credit union details

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