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6-month term FDIC cert #7799

Citizens & Northern Bank 6-month CD rates

Citizens & Northern Bank's 6-month certificate of deposit, with current APY, peer comparison, and end-of-term earnings.

Latest snapshot observed 2026-04-27.

2.95%
APY · 6-month
Term
6-month
Minimum deposit
$1,000
As of
2026-04-27

APY distribution · 6-month CDs

How current 6-month CD rates are spread across the market. This rate is 2.95% — higher than 44% of products in this slice.

Honest Number rate database · latest snapshot per institution

Trend · 6-month CDs

Weekly national average for 6-month CDs over the past year. Latest national average: 2.45%. This product: 2.95%.

Honest Number rate database · weekly mean from observation_date

Deposit calculator

What you'd have at the end of the full 6 months term at 2.95% APY.

At end of term (6 months)
$10,149
+ $149 earned

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Run the numbers on this 6-month CD against other savings strategies.