Bank · FDIC insured
Citi CD Rates
Top CarrotCiti’s best CD rate is 4.25% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Citi’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Citi has the most branches. $10,000, best rate first.
This bank’s best
Citi
4.25%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $425
Certificate of Deposit
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Citi CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo2.00%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Citi ranks
By CD score, in each area where it has branches
- #34 of 140New York-Newark-Jersey City, NY-NJ metro219
- #31 of 108Los Angeles-Long Beach-Anaheim, CA metro125
- #19 of 65San Francisco-Oakland-Fremont, CA metro63
- #29 of 112Chicago-Naperville-Elgin, IL-IN metro57
- #20 of 57Miami-Fort Lauderdale-West Palm Beach, FL metro56
- #36 of 101Washington-Arlington-Alexandria, DC-VA-MD-WV metro34
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.25%APY · 19 terms
| Term | APY · Any balance | APY · Up to $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 0.05% | — | — | 0.05% | $1 |
| 4 months | 2.00% | — | — | 2.00% | $66 |
| 5 months | 2.50% | — | — | 2.50% | $103 |
| 6 months | 2.00% | — | — | 2.00% | $100 |
| 7 months$100,000+ | — | — | 4.15% | —4.15% from $100k | — |
| 7 monthsBelow $100,000 | — | 4.00% | — | 4.00% | $231 |
| 8 months | 2.00% | — | — | 2.00% | $133 |
| 9 months | 2.00% | — | — | 2.00% | $150 |
| 10 months | 0.05% | — | — | 0.05% | $4 |
| 11 months | 0.05% | — | — | 0.05% | $5 |
| 12 months | 4.25% | — | — | 4.25% | $425 |
| 13 months | 2.00% | — | — | 2.00% | $217 |
| 14 months | 0.10% | — | — | 0.10% | $12 |
| 15 months | 2.00% | — | — | 2.00% | $251 |
| 18 months | 2.00% | — | — | 2.00% | $301 |
| 24 months | 2.00% | — | — | 2.00% | $404 |
| 30 months$100,000+ | — | — | 1.01% | —1.01% from $100k | — |
| 30 monthsBelow $100,000 | — | 0.50% | — | 0.50% | $125 |
| 36 months | 2.00% | — | — | 2.00% | $612 |
| 48 months | 2.00% | — | — | 2.00% | $824 |
| 60 months | 2.00% | — | — | 2.00% | $1,041 |
Sources (2)
All captured Sep 21, 2026
Step Up CD
0.10%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsMonths 1-10 | 0.10% | $25 |
| 30 monthsMonths 11-20 | 0.10% | $25 |
| 30 monthsMonths 21-30 | 0.10% | $25 |
Sources (2)
All captured Oct 22, 2026
No Penalty CD
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- citi.com/banking/current-interest-rates/cd · captured Oct 22, 2026
Special-purpose accounts
Retirement CD
Up to 1.50%APY · 16 terms
| Term | APY · Any balance | APY · Up to $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 0.05% | — | — | 0.05% | $1 |
| 4 months | 0.05% | — | — | 0.05% | $2 |
| 5 months | 0.05% | — | — | 0.05% | $2 |
| 6 months | 0.05% | — | — | 0.05% | $2 |
| 7 months | 1.01% | — | — | 1.01% | $59 |
| 8 months | 1.01% | — | — | 1.01% | $67 |
| 9 months | 1.01% | — | — | 1.01% | $76 |
| 10 months | 1.01% | — | — | 1.01% | $84 |
| 12 months | 1.01% | — | — | 1.01% | $101 |
| 13 months | 1.50% | — | — | 1.50% | $163 |
| 18 months | 1.50% | — | — | 1.50% | $226 |
| 24 months$100,000+ | — | — | 1.50% | —1.50% from $100k | — |
| 24 monthsBelow $100,000 | — | 0.50% | — | 0.50% | $100 |
| 30 months | 1.50% | — | — | 1.50% | $379 |
| 36 months | 1.50% | — | — | 1.50% | $457 |
| 48 months | 1.50% | — | — | 1.50% | $614 |
| 60 months | 1.50% | — | — | 1.50% | $773 |
Sources (1)
- citi.com/banking/current-interest-rates/ira · captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.