4-year term FDIC cert #7799

Citizens & Northern Bank 4-year CD rates

Citizens & Northern Bank's 4-year certificate of deposit, with current APY, peer comparison, and end-of-term earnings.

Latest snapshot observed 2026-04-27.

3.05%

APY · 4-year

Term

4-year

Minimum deposit

$1,000

As of

2026-04-27

How current 4-year CD rates are spread across the market. This rate is 3.05% — higher than 77% of products in this slice.

Honest Number rate database · latest snapshot per institution

Weekly national average for 4-year CDs over the past year. Latest national average: 2.17%. This product: 3.05%.

Honest Number rate database · weekly mean from observation_date

What you'd have at the end of the full 4 years term at 3.05% APY.

Initial deposit

At end of term (4 years)

$11,297

+ $1,297 earned

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