Citizens Bank CD rates
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Citizens Bank has physical bank locations across the Mid-Atlantic, Northeast and Midwest regions. The online division of Citizens Bank, referred to as Citizens Access, handles all accounts outside the footprint.
Citizens Bank only offers two options for a CD on its website. The annual percentage yields (APY) are fairly competitive, but you can find higher yields at the top online banks with lower deposit requirements.
Citizens Bank scored 3.6 out of 5 for its overall score in Bankrate’s bank review and 3.0 out of 5 for its CDs.
Citizens Bank CD rates
The CD interest rates are guaranteed throughout the length of the time you select. For those who want an online-only option, Citizens Bank offers two competitive CD offers in addition to multiple standard terms with very low APYs.
| Term | APY | Min. deposit |
|---|---|---|
| 3 months | 0.03% APY | $1,000 |
| 5 months | 4.25% APY | $25,000 |
| 6 months | 0.03% APY | $1,000 |
| 10 months | 3.50% APY | $25,000 |
| 1 year | 0.03% APY | $1,000 |
| 2 years | 0.03% APY | $1,000 |
| 30 months | 0.03% APY | $1,000 |
| 3 years | 0.03% APY | $1,000 |
| 5 years | 0.03% APY | $1,000 |
Note: Annual percentage yields (APYs) were last updated on August 12, 2025 and may vary by region. Money from outside of Citizens Bank is required for this offer.
How Citizens Bank compares to top-yielding banks
Citizens' online-only CD offer similarly competitive APYs to other CD terms at online banks, including:
Bankrate helps you compare today's best CD rates side-by-side from highly rated banks.