Citizens Bank CD rates
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Citizens Bank operates physical branches across the Mid-Atlantic, Northeast, and Midwest, with its online arm — Citizens Access — handling accounts for customers beyond those regions. The bank's CD offerings split into two distinct categories: promotional CDs with competitive rates and standard CDs with rates so low they're probably not worth considering.
Our take: Citizens Bank's promotional CDs compete well if you meet the requirements, but the high minimum deposit ($25,000 for the 7-month term) and new-money requirement make them less accessible than competitors. If you're already a Citizens customer looking to move internal funds, you won't qualify for these rates.
Citizens Bank CD rates
Citizens Bank's promotional CDs fall in the middle of the pack — competitive but not leading. Here's how they stack up:
| Term | APY | Min. deposit |
|---|---|---|
| 3 months | 0.03% APY | $1,000 |
| 6 months | 0.03% APY | $1,000 |
| 7 months | 3.75% APY | $25,000 |
| 1 year | 0.03% APY | $1,000 |
| 14 months | 3.10% APY | $1,000 |
| 2 years | 0.03% APY | $1,000 |
| 30 months | 0.03% APY | $1,000 |
| 3 years | 0.03% APY | $1,000 |
| 4 years | 0.03% APY | $1,000 |
| 5 years | 0.03% APY | $1,000 |
Note: Annual percentage yields (APYs) were last updated on December 23, 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 Bank's promotional CDs fall in the middle of the pack — competitive but not leading. You may be able to find better rates at:
Bankrate helps you compare today's best CD rates side-by-side from highly rated banks.