CRA Public Files
Community Reinvestment Act Public File
In accordance with the Community Reinvestment Act (CRA) regulations, C&N maintains and, upon request, makes available for public inspection, a complete copy of its CRA Public File, current as of April 1 of the current year. For your convenience, we've made the information available below.
Public Disclosure of CRA Performance Evaluation January 2022
Assessment Area Maps & Census Data
Maps of the Bank's assessment areas showing boundaries and identifying the geographies (census tracts) contained within the areas.
Branch Locations and Service Hours
C&N offers deposits, mortgage loans, small business and other general consumer products in line with traditional banking services.
Account Fees
$8 Monthly Service Charge
$10 Monthly Service Charge
$25 Minimum to Open
$5 Monthly Service Charge
$10 Monthly Service Charge
$2 Excess Withdrawal Fee
$35 Paid Overdraft, Returned Overdraft, Paid Uncollected
$5 dormancy fee
$15 Early Closure
$2 excess withdrawal fee
$35 Paid Overdraft, Returned Overdraft, Paid Uncollected
$5 dormancy fee
$15 Early Closure
$5 monthly service charge
$2 excess withdrawal fee
$35 Paid Overdraft, Returned Overdraft, Paid Uncollected
$5 dormancy fee
$15 Early Closure
$25 early closure
$15 monthly service charge
20 cent/paid check
12 cent/deposited transit check
12 cent deposited On-Us Check
$35 Paid Overdraft, Returned Overdraft, Paid Uncollected
$5 dormancy fee
$15 Early Closure
$10 monthly service charge
25 cent/item over 250
$35 Paid Overdraft, Returned Overdraft, Paid Uncollected
$15 Early Closure
$3 paper statement fee
$10 monthly service charge
25 cent/item over 250
$35 Paid Overdraft, Returned Overdraft, Paid Uncollected
$5 dormancy fee
$15 Early Closure
$10 monthly service charge
$2 excess withdrawal fee
$35 Paid Overdraft, Returned Overdraft, Paid Uncollected
$5 dormancy fee
$15 Early Closure
$35 Paid Overdraft, Returned Overdraft, Paid Uncollected
$5 dormancy fee
$15 Early Closure
- not on site
$35 Paid Overdraft, Returned Overdraft, Paid Uncollected
$5 dormancy fee
$15 Early Closure
$25 transfer fee
CRA Disclosure Statements & Consumer Disclosures
C&N opted to include its consumer loans (auto) in the most recent CRA performance evaluation. Therefore, the Consumer Loan disclosures are provided below.
HMDA
2017 – Present: The HMDA data for C&N's residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. The data is accessed online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this Web site.
