2-year term FDIC cert #7799

Citizens & Northern Bank 2-year CD rates

Citizens & Northern Bank's 2-year certificate of deposit, with current APY, peer comparison, and end-of-term earnings.

Latest snapshot observed 2026-04-27.

2.95%

APY · 2-year

Term

2-year

Minimum deposit

$1,000

As of

2026-04-27

How current 2-year CD rates are spread across the market. This rate is 2.95% — higher than 61% of products in this slice.

Honest Number rate database · latest snapshot per institution

Weekly national average for 2-year CDs over the past year. Latest national average: 2.31%. This product: 2.95%.

Honest Number rate database · weekly mean from observation_date

What you'd have at the end of the full 2 years term at 2.95% APY.

Initial deposit

At end of term (2 years)

$10,608

+ $608 earned

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