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Certificates of Deposit (CDs)

Fixed rates. Flexible timelines.

Be in control of your savings. CDs provide you with a guaranteed rate for the term you select.

Questions? Ask a Citizen.
Questions? Ask a Citizen.

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Online Only 14-Month CD

Online Exclusive *

Our Online-Only CD provides a guaranteed rate which allows you to be in control of your savings.

Early withdrawal penalties may apply.

Open Account

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Minimum Balance to Open

$1,000

Fixed interest rate1

View Rates

11-Month CD

If you are saving for a short-term goal, our 11-Month CD provides the guarantee of a fixed rate for the length of your term, as well as the advantage of better rates for our Platinum and Platinum Plus Checking customers.

Early withdrawal penalties may apply.

Open Account

Learn More

Minimum Balance to Open

$1,000

Fixed interest rate1

View Rates

24-Month CD

Our 24-Month CD provides the guarantee of a fixed-rate yield for the length of your term, plus the advantage of better rates for our Platinum and Platinum Plus Checking customers.

Early withdrawal penalties may apply.

Open Account

Learn More

Minimum Balance to Open

$1,000

Fixed interest rates1

View Rates

Compare CDs

Online Only 14-Month CD

11-Month CD

24-Month CD

Choose Your Account Our Online-Only 14-Month CD provides a guaranteed rate which allows you to be in control of your savings. Reach your goals with our limited time offer. Saving with peace of mind. With our 11 Month CD, you'll know exactly how much you'll earn over a fixed term. Better rates available for Platinum and Platinum Plus Checking customers. This 24-Month CD allows for a longer period of investment with the same fixed rate and peace of mind over a fixed term. Better rates available for Platinum and Platinum Plus Checking customers
Standard Account
Features
Interest Rates View Rates View Rates View Rates
Ability to
Withdraw Early		 Early withdrawal penalties apply. Early withdrawal penalties apply. Early withdrawal penalties apply.
Open Account Open Account Open Account

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1 Annual Percentage Yield. Rates accurate as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate# and subject to change before or after account opening. ( #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=Region Label#). Rates apply to new accounts and may not apply to existing accounts. CD rates may be dependent upon checking relationship; Platinum rates require Platinum Checking, and Platinum Plus rates require Platinum Plus Checking.

2 Please consult our Personal Deposit Account Agreement and Personal Deposit Accounts Fees and Features Guide for more detail

3 IRA distributions may be subject to state taxation depending on the tax law of your state.

All accounts, loans and services are subject to individual approval. See a banker for details on FDIC insurance.

Minimum balance required to earn the advertised APY.

Citizens Bank does not offer tax advice. Consult your tax advisor for IRA eligibility rules and your individual circumstances. Please refer to the Personal Deposit Account Agreement and Fees and Features Guide for fees and information. See a banker for details and FDIC insurance limitations. Fees may reduce earnings.

Wireless carrier, text, and/or data charges may apply.
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