What are the current interest rates at Citizens & Northern Bank C&N?

Current rates for Citizens & Northern Bank C&N include: 12-Month CD: 3.29%, 18-Month CD: 0.25%, 24-Month CD: 3.39%, 36-Month CD: 0.20%, 60-Month CD: 3.49%, Savings: 0.10%

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Citizens & Northern Bank C&N Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens & Northern Bank C&N provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Citizens & Northern Bank C&N's 13-Months 13-Month rates are at 4.22%, 60-Months 60-Month IRA CD rates are at 4.16%, 13-Months 13-Month rates are at 4.11%, 36-Months 36-Month IRA CD rates are at 4.11%, 18-Months 18-Month rates are at 4.06%. Citizens & Northern Bank C&N's savings rates are at 0.10%. MonitorBankRates evaluates the financial stability of Citizens & Northern Bank C&N with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.93%. Rates last updated and verified on 08/30/2026.

Citizens & Northern Bank C&N money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens & Northern Bank C&N? Share your experience about Citizens & Northern Bank C&N by leaving a review below, or read customer reviews before you decide to use Citizens & Northern Bank C&N.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.93%

Excellent Higher than avg

Citizens & Northern Bank

90 Main St
Wellsboro, PA 16901

https://www.cnbankpa.com

Citizens & Northern Bank C&N CD Rates

Product	Rate	APY	Term
13 month	4.15%	4.22%	13 Months
Min Balance $100,000 Details *** Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
60 month IRA CD	4.10%	4.16%	60 Months
Min Balance $100,000 Details IRA CD 60 Months Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
13 month	4.05%	4.11%	13 Months
Min Balance $10,000 Details *** Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
36 month IRA CD	4.05%	4.11%	36 Months
Min Balance $100,000 Details IRA CD 36 Months Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
18 month	4.00%	4.06%	18 Months
Min Balance $100,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
24 month	4.00%	4.06%	24 Months
Min Balance $100,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
36 month IRA CD	4.00%	4.06%	36 Months
Min Balance $50,000 Details IRA CD 36 Months Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
18 month	3.95%	4.01%	18 Months
Min Balance $50,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
24 month	3.95%	4.01%	24 Months
Min Balance $50,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
12 month	3.90%	3.96%	12 Months
Min Balance $100,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
8 month	3.90%	3.96%	8 Months
Min Balance $100,000 Details ** Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
60 month IRA CD	3.90%	3.96%	60 Months
Min Balance $25,000 Details IRA CD 60 Months Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
36 month IRA CD	3.85%	3.91%	36 Months
Min Balance $25,000 Details IRA CD 36 Months Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
e-z Access Flex CD - 20 Month	3.80%	3.87%	20 Month
Min Balance $250,000 Details e-z Access Flex CD - 20 Month Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
18 month	3.80%	3.85%	18 Months
Min Balance $25,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
24 month	3.80%	3.85%	24 Months
Min Balance $25,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
8 month	3.80%	3.85%	8 Months
Min Balance $10,000 Details ** Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
e-z Access Flex CD - 20 Month	3.75%	3.82%	20 Month
Min Balance $100,000 Details e-z Access Flex CD - 20 Month Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
6 month	3.75%	3.80%	6 Months
Min Balance $100,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
e-z Access Flex CD - 14 Month	3.70%	3.76%	14 Month
Min Balance $250,000 Details e-z Access Flex CD - 14 Month Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
12 month	3.70%	3.75%	12 Months
Min Balance $50,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
6 month	3.70%	3.75%	6 Months
Min Balance $50,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
e-z Access Flex CD - 14 Month	3.65%	3.71%	14 Month
Min Balance $100,000 Details e-z Access Flex CD - 14 Month Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
60 month IRA CD	3.60%	3.65%	60 Months
Min Balance $10,000 Details IRA CD 60 Months Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
12 month	3.55%	3.60%	12 Months
Min Balance $25,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
6 month	3.55%	3.60%	6 Months
Min Balance $25,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
36 month IRA CD	3.55%	3.60%	36 Months
Min Balance $10,000 Details IRA CD 36 Months Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
18 month	3.50%	3.55%	18 Months
Min Balance $10,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
24 month	3.50%	3.55%	24 Months
Min Balance $10,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
e-z Access Flex CD - 20 Month	3.45%	3.51%	20 Month
Min Balance $10,000 Details e-z Access Flex CD - 20 Month Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
60 month IRA CD	3.45%	3.49%	60 Months
Min Balance $1,000 Details IRA CD 60 Months Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
12 month	3.40%	3.44%	12 Months
Min Balance $10,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
36 month IRA CD	3.40%	3.44%	36 Months
Min Balance $1,000 Details IRA CD 36 Months Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
e-z Access Flex CD - 14 Month	3.35%	3.40%	14 Month
Min Balance $10,000 Details e-z Access Flex CD - 14 Month Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
e-z Access Flex CD - 27 Month	3.35%	3.40%	27 Month
Min Balance $250,000 Details e-z Access Flex CD - 27 Month Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
18 month	3.35%	3.39%	18 Months
Min Balance $1,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
24 month	3.35%	3.39%	24 Months
Min Balance $1,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
e-z Access Flex CD - 27 Month	3.30%	3.35%	27 Month
Min Balance $100,000 Details e-z Access Flex CD - 27 Month Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
12 month	3.25%	3.29%	12 Months
Min Balance $1,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
6 month	3.25%	3.29%	6 Months
Min Balance $10,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
6 month	3.10%	3.14%	6 Months
Min Balance $1,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
e-z Access Flex CD - 27 Month	3.00%	3.04%	27 Month
Min Balance $10,000 Details e-z Access Flex CD - 27 Month Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
18 Month IRA/ESA Variable CD	0.25%	0.25%	18 Month
Min Balance $0 Details *IRA/ESA Variable CD 18 Month Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
36 month e-z Access Advantage CD	0.20%	0.20%	36 Months
Min Balance $5,000 Details e-z Access Advantage CD 36 Months Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%

Citizens & Northern Bank C&N Savings Rates

Product	Rate	APY
Key Savings	0.10%	0.10%
Min Balance $300 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Savings / Christmas Club	0.10%	0.10%
Min Balance $0 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%

Citizens & Northern Bank C&N Checking Rates

Product	Rate	APY
Business Interest Checking	0.75%	0.75%
Min Balance $500,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Business Interest Checking	0.55%	0.55%
Min Balance $100,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Business Interest Checking	0.40%	0.40%
Min Balance $50,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
C&N Merit Checking	0.35%	0.35%
Min Balance $0 Details Non-qualifying accounts - .05% APY Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Business Interest Checking	0.30%	0.30%
Min Balance $10,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Business Interest Checking	0.10%	0.10%
Min Balance $1,000 Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
C&N Merit Checking	0.10%	0.10%
Min Balance $30,000 Details Non-qualifying accounts - .05% APY Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%

Citizens & Northern Bank C&N Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	0.000%	6.75%
Details Credit Scores 740 and greater. Line is variable rate based on Wall Street Journal Prime and can change at any time. Maximum rate is 18.00%. No closing costs at account opening except for borrower's share of New York mortgage tax for properties in New York; other costs will be recovered if the line is paid off and closed within three years of the closing date. If the line is paid off and closed within three years of the closing date there is a recapture fee for all closing costs paid on your behalf by C&N. The recapture fee will range from $250-$300; other recapture costs for title insurance and appraisal will vary with location and loan amount. Additional locked portions must be for a minimum of $5,000 for a term of between 3 and 15 years at a fixed market rate for an installment payment plan. The minimum interest rate for a locked portion is 3.00% and the maximum is 18.00%. The principal and interest payments will be in an amount sufficient to repay the balance within the time frame selected. Locked portions may not exceed the term of the line. A $50 lock fee applies each time a portion of the line is locked, with the first lock fee waived. The current monthly payment for a $10,000 draw locked for 36 payments at 5% is $299.71 for Principal and Interest. Credit approval required. Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%
Home Equity Line of Credit	-	0.250%	7.00%
Details Credit Scores 739 and below. Line is variable rate based on Wall Street Journal Prime and can change at any time. Maximum rate is 18.00%. No closing costs at account opening except for borrower's share of New York mortgage tax for properties in New York; other costs will be recovered if the line is paid off and closed within three years of the closing date. If the line is paid off and closed within three years of the closing date there is a recapture fee for all closing costs paid on your behalf by C&N. The recapture fee will range from $250-$300; other recapture costs for title insurance and appraisal will vary with location and loan amount. Additional locked portions must be for a minimum of $5,000 for a term of between 3 and 15 years at a fixed market rate for an installment payment plan. The minimum interest rate for a locked portion is 3.00% and the maximum is 18.00%. The principal and interest payments will be in an amount sufficient to repay the balance within the time frame selected. Locked portions may not exceed the term of the line. A $50 lock fee applies each time a portion of the line is locked, with the first lock fee waived. The current monthly payment for a $10,000 draw locked for 36 payments at 5% is $299.71 for Principal and Interest. Credit approval required. Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.93%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens & Northern Bank C&N is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citizens & Northern Bank C&N rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens & Northern Bank C&N's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens & Northern Bank C&N

Bank Holding Company CITIZENS&NORTHERN CORP

Address 90 Main St, Wellsboro, PA 16901 · Tioga

Website https://www.cnbankpa.com

FDIC Certificate # 7799

Established 01/01/1864

FDIC Insurance Date 01/01/1934

Domestic Offices 35

Total Branches 35

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.93%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1565%

Return on Equity (ROE) 11.0200%

Non-Performing Loans (NPL) 0.54%

Total Assets $3,121,896,000

Total Deposits $2,584,952,000

Equity Capital $351,132,000

Net Income $24,842,000

Headquarters Wellsboro

Total Branches and Offices 35

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Citizens & Northern Bank C&N

How many branches does Citizens & Northern Bank C&N operate?

Citizens & Northern Bank C&N currently maintains approximately 35 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Citizens & Northern Bank C&N does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens & Northern Bank C&N provides members with tools to manage their accounts and build a solid financial history.

Does Citizens & Northern Bank C&N offer online and mobile banking?

Most modern institutions like Citizens & Northern Bank C&N provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cnbankpa.com.