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Current Rates
Customers in Pennsylvania and New York trust C&N to help them save money on mortgages and earn better rates on their CDs and deposit accounts.
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Save More, Earn More
Annual Percentage Yields (APYs) are effective for accounts opened from February 18, 2022 and until the next yield change, which is typically weekly.
| Term | MinBalance | Rate | APY |
|---|---|---|---|
| 12 Months | $1,000.00 | .150% | .15% |
| 12 Months | $1,001.00 | .150% | .15% |
| 12 Months | $1,002.00 | .150% | .15% |
| 12 Months | $1,003.00 | .150% | .15% |
| 12 Months | $1,004.00 | .150% | .15% |
Due to the unpredictability of mortgage rates at this time, please contact your local C&N office to discuss rates in further detail.
Mortgages
| Points | 10/15 Year | 20 Year | 25/30 Year |
|---|---|---|---|
| Rate / APR | Rate / APR | Rate / APR | |
| 0 | |||
| 2 | |||
| 3 |
Home Equity rates are effective from September 1, 2020 until the next rate change.
| Annual Percentage Rate | 3.750% |
|---|---|
| Index | 3.250% |
| Margin | 0.500% |
*$10,000 minimum *Floor of 3.99% *Maximum rate of 18% **Home Equity Line of Credit Application Fee: $199.00 (estimate). A $30.00 annual fee will be charged. Loans subject to credit approval. The rate is variable and rates are subject to change. Property insurance is required. Rates shown are for PA and NY properties. *Loans Subject To Credit Approval. *APY is annual percentage yield.
Annual Percentage Yields (APYs) are effective for accounts opened from August 25, 2021 and until the next yield change, which is typically weekly.
| To Earn APY | Current Rate | Annual % Yield | |
|---|---|---|---|
| Business Interest Checking | $500.00 | 0.050% | 0.050% |
| Business Interest Checking | $1000.00 | 0.050% | 0.050% |
| Business Interest Checking | $10,000.00 | 0.100% | 0.100% |
| Business Interest Checking | $50,000.00 | 0.100% | 0.100% |
| Business Interest Checking | $100,000.00 | 0.120% | 0.120% |
| Business Interest Checking | $500,000.00 | 0.150% | 0.150% |
| Business Super Money Market | $500.00 | 0.050% | 0.050% |
| Business Super Money Market | $5,000.00 | 0.100% | 0.100% |
| Business Super Money Market | $20,000.00 | 0.150% | 0.150% |
| Business Super Money Market | $50,000.00 | 0.150% | 0.150% |
| Business Super Money Market | $100,000.00 | 0.200% | 0.200% |
| Business Super Money Market | $250,000.00 | 0.250% | 0.250% |
| Business Super Money Market | $500,000.00 | 0.300% | 0.300% |
| C&N Merit Checking* | $0.00 | 0.350% | 0.350% |
| C&N Merit Checking* | $30,000.01 | 0.100% | 0.100% |
| Super Money Fund | $500.00 | 0.050% | 0.050% |
| Super Money Fund | $5,000.00 | 0.100% | 0.100% |
| Super Money Fund | $20,000.00 | 0.150% | 0.150% |
| Super Money Fund | $50,000.00 | 0.150% | 0.150% |
| Super Money Fund | $100,000.00 | 0.200% | 0.200% |
| Super Money Fund | $250,000.00 | 0.250% | 0.250% |
| Super Money Fund | $500,000.00 | 0.300% | 0.300% |
| Key Savings | $200.00 | 0.100% | 0.100% |
| Savings / Christmas Club | $0.00 | 0.100% | 0.100% |
*C&N Merit non-qualifying accounts - .05% APY 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. APY is annual percentage yield.
