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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.

14-Month CD-Online Only

If you are saving for a short-term goal, our online-only 14-Month CD provides the guarantee of a fixed rate yield 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.

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Minimum Balance to Open

$1,000

Fixed interest rate1

0.50%

Annual Percentage Yield (APY)1

1.10%

Annual Percentage Yield (APY)1 with Platinum Checking

1.35%

Annual Percentage Yield (APY)1 with Platinum Plus Checking

48-Month CD

If you are saving for a long-term goal, our 48-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.

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Apply Now

Minimum Balance to Open

$1,000

Fixed interest rates1

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Annual Percentage Yield (APY)1

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Annual Percentage Yield (APY)1 with Platinum Checking

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Annual Percentage Yield (APY)1 with Platinum Plus Checking

12-Month Breakable CD

Give yourself more wiggle room with a 12 Month Breakable CD. Open one with at least $10,000 and you’ll have the flexibility of making one withdrawal without penalty during your term. Platinum and Platinum Plus Checking customers can take advantage of better rates.

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Apply Now

Minimum Balance to Open

$10,000

Fixed interest rates1

#ProductLine=ODS|Brand=citizensbank|Product=CD|ProductName=12-Month Breakable Cd|ProductRatePtr=816|ProductLevelCode=NOR|ProductAttribute=CurrentAPY#%

Annual Percentage Yield (APY)1

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Annual Percentage Yield (APY)1 with Platinum Checking

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Annual Percentage Yield (APY)1 with Platinum Plus Checking

One-time, full or partial withdrawal without penalty of funds during the term of your account. 

IRA CD3

Our IRA CDs provide a guaranteed rate for the length of your term. Platinum and Platinum Plus Checking customers can take advantage of better rates.

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Minimum Balance to Open

$250

Distribution

Early withdrawal fees (certain exceptions may apply)2. IRA penalties may apply. Consult your tax advisor.

14-Month CD-Online Only

48-Month CD

12-Month Breakable CD

IRA CD3

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Choose Your Account Saving with peace of mind. With our online-only 14-Month CD, you'll know exactly how much you'll earn over a fixed term. This 48-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. Our Breakable CDs are easy to open and provide flexibility with one penalty-free withdrawal during your term. Better rates available for Platinum and Platinum Plus Checking customers. This IRA CD provides peace of mind with FDIC insurance to help preserve your nest egg.  Plus, a great competitive rate to help your funds grow even faster.
Standard Account
Features
 
Interest Rates View Rates View Rates View Rates For more information on rates, visit a branch or call 1-800-948-7200
Ability to
Withdraw Early
Early withdrawal penalties apply. Early withdrawal penalties apply. Includes a one-time, full or partial withdrawal without penalty of funds during the term of your account. Begins at age 70½; early withdrawal fees do apply.
  Early withdrawal fees (certain exceptions may apply)2IRA penalties may apply. Consult your tax advisor.

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