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

Current rates for Citizens & Northern Bank C&N include: 12-Month CD: 3.39%, 18-Month CD: 0.25%, 24-Month CD: 3.55%, 36-Month CD: 0.20%, 48-Month CD: 3.70%, 60-Month CD: 3.75%

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Citizens & Northern Bank C&N

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Citizens & Northern Bank C&N Rates & Review September 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: September 18, 2026

Citizens & Northern Bank C&N's 60-Months 60-Month Certificate of Deposit rates are at 4.42%, 60-Months 60-Month IRA CD rates are at 4.42%, 48-Months 48-Month Certificate of Deposit rates are at 4.37%, 48-Months 48-Month IRA CD rates are at 4.37%, 60-Months 60-Month Certificate of Deposit rates are at 4.37%. 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 11.32%. Rates last updated and verified on 09/18/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.32%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Citizens & Northern Bank

90 Main St
Wellsboro, PA 16901

https://www.cnbankpa.com

Citizens & Northern Bank C&N CD Rates

Product	Rate	APY	Term
60 Month Certificate of Deposit	4.35%	4.42%	60 Months
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
60 Month IRA CD	4.35%	4.42%	60 Months
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
48 Month Certificate of Deposit	4.30%	4.37%	48 Months
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
48 Month IRA CD	4.30%	4.37%	48 Months
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
60 Month Certificate of Deposit	4.30%	4.37%	60 Months
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
60 Month IRA CD	4.30%	4.37%	60 Months
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
15 Month e-z Access Flex CD	4.25%	4.33%	15 Month**
Min Balance $250,000 Details Balance: $250,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
15-Month e-z Access Flex CD Special	4.25%	4.33%	15 Month
Min Balance $250,000 Details Minimum balances to earn APY must be new money (defined as funds not on deposit with C&N at the time of account opening.) Existing customers may add existing C&N liquid funds (no waived penalties on existing time deposits) to new accounts but must bring in a minimum of $250,000 in new funds to qualify. CD automatically renews to a 14-month e-z Access Flex CD upon maturity at the interest rate and APY of the 14-month e-z Access Flex CD term at that time. Additional deposits to this CD may be made at any branch and by internet and telephone banking transfers from checking and key savings accounts. Withdrawals taken less than 6 months from the date opened will result in a forfeiture of 90 days interest on the principal being withdrawn. No early withdrawal penalty will apply on withdrawals taken after 6 months from the date opened, unless it occurs within six days of any subsequent withdrawal. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
13 Month Certificate of Deposit	4.25%	4.32%	13 Months***
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
13-Month CD	4.25%	4.32%	13 Month
Min Balance $100,000 Details Minimum balances to earn APY must be new money (defined as funds not on deposit with C&N at the time of account opening.) Existing customers may add existing C&N liquid funds (no waived penalties on existing time deposits) to new accounts but must bring in a minimum of $100,000 new funds to qualify. CD automatically renews to a 12-month CD upon maturity at the interest rate and APY of the 12-month term at that time. No additional deposits, withdrawals of principal, or withdrawals of uncredited interest are allowed. Withdrawals outside of the ten-day grace period at maturity will result in the account being closed and forfeiture of 180 days interest. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
48 Month Certificate of Deposit	4.25%	4.32%	48 Months
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
48 Month IRA CD	4.25%	4.32%	48 Months
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
15 Month e-z Access Flex CD	4.20%	4.28%	15 Month**
Min Balance $100,000 Details Balance: $100,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
15-Month e-z Access Flex CD Special	4.20%	4.28%	15 Month
Min Balance $100,000 Details Minimum balances to earn APY must be new money (defined as funds not on deposit with C&N at the time of account opening.) Existing customers may add existing C&N liquid funds (no waived penalties on existing time deposits) to new accounts but must bring in a minimum of $100,000 in new funds to qualify. CD automatically renews to a 14-month e-z Access Flex CD upon maturity at the interest rate and APY of the 14-month e-z Access Flex CD term at that time. Additional deposits to this CD may be made at any branch and by internet and telephone banking transfers from checking and key savings accounts. Withdrawals taken less than 6 months from the date opened will result in a forfeiture of 90 days interest on the principal being withdrawn. No early withdrawal penalty will apply on withdrawals taken after 6 months from the date opened, unless it occurs within six days of any subsequent withdrawal. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
36 Month Certificate of Deposit	4.20%	4.27%	36 Months
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
36 Month IRA CD	4.20%	4.27%	36 Months
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
13 Month Certificate of Deposit	4.15%	4.22%	13 Months***
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
13-Month CD	4.15%	4.22%	13 Month
Min Balance $10,000 Details Minimum balances to earn APY must be new money (defined as funds not on deposit with C&N at the time of account opening.) Existing customers may add existing C&N liquid funds (no waived penalties on existing time deposits) to new accounts but must bring in a minimum of $10,000 new funds to qualify. CD automatically renews to a 12-month CD upon maturity at the interest rate and APY of the 12-month term at that time. No additional deposits, withdrawals of principal, or withdrawals of uncredited interest are allowed. Withdrawals outside of the ten-day grace period at maturity will result in the account being closed and forfeiture of 180 days interest. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
18 Month Certificate of Deposit	4.15%	4.22%	18 Months
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
24 Month Certificate of Deposit	4.15%	4.22%	24 Months
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
36 Month Certificate of Deposit	4.15%	4.22%	36 Months
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
36 Month IRA CD	4.15%	4.22%	36 Months
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
60 Month Certificate of Deposit	4.15%	4.22%	60 Months
Min Balance $25,000 Details Balance: $25,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
60 Month IRA CD	4.15%	4.22%	60 Months
Min Balance $25,000 Details Balance: $25,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
15 Month e-z Access Flex CD	4.10%	4.18%	15 Month**
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
15-Month e-z Access Flex CD Special	4.10%	4.18%	15 Month
Min Balance $10,000 Details Minimum balances to earn APY must be new money (defined as funds not on deposit with C&N at the time of account opening.) Existing customers may add existing C&N liquid funds (no waived penalties on existing time deposits) to new accounts but must bring in a minimum of $10,000 in new funds to qualify. CD automatically renews to a 14-month e-z Access Flex CD upon maturity at the interest rate and APY of the 14-month e-z Access Flex CD term at that time. Additional deposits to this CD may be made at any branch and by internet and telephone banking transfers from checking and key savings accounts. Withdrawals taken less than 6 months from the date opened will result in a forfeiture of 90 days interest on the principal being withdrawn. No early withdrawal penalty will apply on withdrawals taken after 6 months from the date opened, unless it occurs within six days of any subsequent withdrawal. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
18 Month Certificate of Deposit	4.10%	4.16%	18 Months
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
24 Month Certificate of Deposit	4.10%	4.16%	24 Months
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
48 Month Certificate of Deposit	4.10%	4.16%	48 Months
Min Balance $25,000 Details Balance: $25,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
48 Month IRA CD	4.10%	4.16%	48 Months
Min Balance $25,000 Details Balance: $25,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
12 Month Certificate of Deposit	4.00%	4.06%	12 Months
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
36 Month Certificate of Deposit	4.00%	4.06%	36 Months
Min Balance $25,000 Details Balance: $25,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
36 Month IRA CD	4.00%	4.06%	36 Months
Min Balance $25,000 Details Balance: $25,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
12 Month Certificate of Deposit	3.95%	4.01%	12 Months
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
18 Month Certificate of Deposit	3.95%	4.01%	18 Months
Min Balance $25,000 Details Balance: $25,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
24 Month Certificate of Deposit	3.95%	4.01%	24 Months
Min Balance $25,000 Details Balance: $25,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
20 Month e-z Access Flex CD	3.90%	3.97%	20 Month
Min Balance $250,000 Details Balance: $250,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
20 Month e-z Access Flex CD	3.85%	3.92%	20 Month
Min Balance $100,000 Details Balance: $100,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
60 Month Certificate of Deposit	3.85%	3.91%	60 Months
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
60 Month IRA CD	3.85%	3.91%	60 Months
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
14 Month e-z Access Flex CD	3.80%	3.87%	14 Month
Min Balance $250,000 Details Balance: $250,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
12 Month Certificate of Deposit	3.80%	3.85%	12 Months
Min Balance $25,000 Details Balance: $25,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
48 Month Certificate of Deposit	3.80%	3.85%	48 Months
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
48 Month IRA CD	3.80%	3.85%	48 Months
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
14 Month e-z Access Flex CD	3.75%	3.82%	14 Month
Min Balance $100,000 Details Balance: $100,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
6 Month Certificate of Deposit	3.75%	3.80%	6 Months
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
36 Month Certificate of Deposit	3.70%	3.75%	36 Months
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
36 Month IRA CD	3.70%	3.75%	36 Months
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
6 Month Certificate of Deposit	3.70%	3.75%	6 Months
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
60 Month Certificate of Deposit	3.70%	3.75%	60 Months
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
60 Month IRA CD	3.70%	3.75%	60 Months
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
18 Month Certificate of Deposit	3.65%	3.70%	18 Months
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
24 Month Certificate of Deposit	3.65%	3.70%	24 Months
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
48 Month Certificate of Deposit	3.65%	3.70%	48 Months
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
48 Month IRA CD	3.65%	3.70%	48 Months
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
20 Month e-z Access Flex CD	3.55%	3.61%	20 Month
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
36 Month Certificate of Deposit	3.55%	3.60%	36 Months
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
36 Month IRA CD	3.55%	3.60%	36 Months
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
6 Month Certificate of Deposit	3.55%	3.60%	6 Months
Min Balance $25,000 Details Balance: $25,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
12 Month Certificate of Deposit	3.50%	3.55%	12 Months
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
18 Month Certificate of Deposit	3.50%	3.55%	18 Months
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
24 Month Certificate of Deposit	3.50%	3.55%	24 Months
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
14 Month e-z Access Flex CD	3.45%	3.51%	14 Month
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
12 Month Certificate of Deposit	3.35%	3.39%	12 Months
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
6 Month Certificate of Deposit	3.25%	3.29%	6 Months
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
6 Month Certificate of Deposit	3.10%	3.14%	6 Months
Min Balance $1,000 Details Balance: $1,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
18 Month IRA/ESA Variable CD	0.25%	0.25%	18 Month
Min Balance $0 Details Balance: $0.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
36 Month e-z Access Advantage CD	0.20%	0.20%	36 Months
Min Balance $5,000 Details Balance: $5,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%

Citizens & Northern Bank C&N Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line & Lock	7.00%	0.000%	7.00%
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. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
Home Equity Line & Lock	7.00%	0.250%	7.25%
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. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%

Citizens & Northern Bank C&N Other Rates

Product	Rate	Points	APY/APR
C&N Merit non-qualifying accounts	-	-	0.05%
Details These rates may change after the account is opened. Fees may reduce earnings. Please contact your local Citizens & Northern branch for our Truth-In-Savings Disclosure for complete details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%
e-z Access Advantage CD	0.10%	-	0.10%
Min Balance $5,000 Details Balances less than $5,000.00 earn .100% interest, .100% APY. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.32%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Citizens & Northern Bank C&N’s Texas Ratio rose from 6.93% in Q3 2023 to 11.32% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.1B	11.32%	5.0	A
March 31, 2026	$3.2B	12.20%	5.0	A
December 31, 2025	$3.1B	9.43%	5.0	A
September 30, 2025	$2.7B	8.97%	5.0	A
June 30, 2025	$2.6B	8.68%	5.0	A
March 31, 2025	$2.6B	8.35%	5.0	A
December 31, 2024	$2.6B	8.46%	5.0	A
September 30, 2024	$2.7B	8.57%	5.0	A
June 30, 2024	$2.6B	7.23%	5.0	A
March 31, 2024	$2.5B	7.27%	5.0	A
December 31, 2023	$2.5B	6.92%	5.0	A
September 30, 2023	$2.5B	6.93%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 18640101

FDIC Insurance Date 19340101

Domestic Offices 35

Total Branches 35

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

11.32%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9616%

Return on Equity (ROE) 8.6100%

Non-Performing Loans (NPL) 1.28%

Total Assets $3,143,130,000

Total Deposits $2,610,552,000

Equity Capital $355,791,000

Net Income $15,095,000

Headquarters Wellsboro

Total Branches and Offices 35

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Citizens & Northern Bank C&N earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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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.