Citizens & Northern Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Wysox Branch	Us Routes 6 & 309 & State Route 187, Wysox Township, PA 18854	View Lobby Hours
Troy Branch	64 Elmira St., Troy, PA 16947	View Lobby Hours
Citizens & Northern Bank	90-92 Main Street, Wellsboro, PA 16901	View Lobby Hours
Hornell Branch	6250 County Route 64, Hornell, NY 14843	View Lobby Hours
Monroeton Branch	612 James Monroe Avenue, Monroeton, PA 18832	View Lobby Hours
East Smithfield Branch	563 Main Street, East Smithfield, PA 18817	View Lobby Hours
Laporte Branch	514 Main Street, Laporte, PA 18626	View Lobby Hours
Liberty Branch	4534 Williamson Trail, Liberty, PA 16930	View Lobby Hours
Athens Branch	428 South Main Street, Athens, PA 18810	View Lobby Hours
Towanda Branch	428 Main Street, Towanda, PA 18848	View Lobby Hours
Tioga Branch	41 Main Street, Tioga, PA 16946	View Lobby Hours
Muncy Branch	3461 Route 405 Highway, Muncy, PA 17756	View Lobby Hours
Main St Branch	3 Main Street, Canisteo, NY 14823	View Lobby Hours
Ralston Branch	24 Thompson Street, Ralston, PA 17763	View Lobby Hours
Jersey Shore Branch	230-232 Railroad Street, Jersey Shore, PA 17740	View Lobby Hours
South Williamsport Branch	2 East Mountain Avenue, South Williamsport, PA 17702	View Lobby Hours
Sayre Branch	1827 Elmira Street, Sayre, PA 18840	View Lobby Hours
Old Lycoming Branch	1510 Dewey Avenue, Williamsport, PA 17701	View Lobby Hours
Emporium Branch	135 East Fourth Street, Emporium, PA 15834	View Lobby Hours
Williamsport Court St. Branch	130 Court Street, Williamsport, PA 17701	View Lobby Hours
Dushore Branch	111 W. Main Street, Dushore, PA 18614	View Lobby Hours
Elkland Branch	104 Main Street, Elkland, PA 16920	View Lobby Hours
Mansfield Branch	1085 S. Main Street, Mansfield, PA 16933	View Lobby Hours
Knoxville Branch	102 East Main Street, Route 49, Knoxville, PA 16928	View Lobby Hours
Port Allegany Branch	100 Maple Street, Port Allegany, PA 16743	View Lobby Hours
Coudersport Branch	10 North Main Street, Coudersport, PA 16915	View Lobby Hours
West Milton State Bank	940 High Street, West Milton, PA 17886	View Lobby Hours
West Buffalo Branch	40 Hardees Drive, Mifflinburg, PA 17844	View Lobby Hours
East Buffalo Branch	2005 Market Street, Lewisburg, PA 17837	View Lobby Hours
Beaver Springs Branch	19179 Route 522, Beaver Springs, PA 17812	View Lobby Hours
Watsontown Branch	1025 Main Street, Watsontown, PA 17777	View Lobby Hours
Northumberland Branch	397 Point Township Drive, Northumberland, PA 17857	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 292473	5.867%	5.750% 0.63 points $4,088 fees	$1,868	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
Reliant Home Funding, Inc See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period

Citizens & Northern Bank - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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