A newer version of your browser is available. Older versions may limit your ability to access some of this site's functionality. Citizens Bank recommends upgrading your browser.

Learn More

Download the newest version of Microsoft Internet Explorer

12-Month Breakable CD

This short-term, breakable CD account is easy to open and provides flexibility with one withdrawal without penalty during your term. Better rates available for Platinum and Platinum Plus Checking customers.

Open Account

View and download detailed account documents here:

View Account Documents

  • Minimum balance to open


  • Withdrawal status

    Early withdrawal penalties may apply
    One-time full or partial withdrawal without penalty of funds during the term of your account

12-Month Breakable CD Features and Benefits

  • Ready to apply?

    Here's what you need to get started:

      • US Citizens and resident aliens 18 and older can apply
      • Social security number
      • Driver’s license or state ID number
      • Current contact information (e.g. address, phone number, email)
      • A check to fund your account

Learn more about this topic

You may also be interested in:

48-Month CD

Saving with peace of mind. Know exactly how much you’ll earn with a guaranteed fixed rate over a fixed term.

Learn More

Open Account

Standard fixed interest rate

#ProductLine=ODS|Brand=citizensbank|Product=CD|ProductName=48-Month Cd|ProductRatePtr=348|ProductLevelCode=NOR|ProductAttribute=CurrentAPY#%

Annual Percentage Yield (APY)1

Minimum balance to open


Open Account

#Json=Label_Lookup|Brand=citizensbank|ApplyToParentElement=|TargetElementType=|TargetElementId=|Key=Personalize your experience.#

May We Suggest