Bank · FDIC insured
Citizens Access CD Rates
Citizens Access’s best CD rate is 4.00% APY on an 8-month CD. Terms run from 8 months to 5 years. Rates checked October 25, 2026.
How Citizens Access’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Citizens Access
4.00%APY
- Term
- 8 months
- Minimum
- $5,000
- Earns on $10,000
- $265
Citizens Access Online CD
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Minimum
- $5,000
- Earns on $10,000
- $198
Citizens Access CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.00%
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 Citizens Access ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Citizens Access Online CD
Up to 4.00%APY · 6 terms
No service fees or account opening fees. Fixed rate account; interest compounded daily and paid monthly. Early withdrawal penalty applies. Automatic renewal into the same term at maturity with a 10-calendar-day grace period. Available in select US states and territories.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsPenalty for early withdrawal. Automatically renews into a CD of the same term at maturity unless changes are made during the 10-calendar-day grace period. APY assumes interest remains on deposit until maturity date | 4.00% | $265 |
| 12 monthsPenalty for early withdrawal. Automatically renews into a CD of the same term at maturity unless changes are made during the 10-calendar-day grace period. APY assumes interest remains on deposit until maturity date | 3.25% | $325 |
| 24 monthsPenalty for early withdrawal. Automatically renews into a CD of the same term at maturity unless changes are made during the 10-calendar-day grace period. APY assumes interest remains on deposit until maturity date | 3.00% | $609 |
| 36 monthsPenalty for early withdrawal. Automatically renews into a CD of the same term at maturity unless changes are made during the 10-calendar-day grace period. APY assumes interest remains on deposit until maturity date | 2.75% | $848 |
| 48 monthsPenalty for early withdrawal. Automatically renews into a CD of the same term at maturity unless changes are made during the 10-calendar-day grace period. APY assumes interest remains on deposit until maturity date | 2.75% | $1,146 |
| 60 monthsPenalty for early withdrawal. Automatically renews into a CD of the same term at maturity unless changes are made during the 10-calendar-day grace period. APY assumes interest remains on deposit until maturity date | 2.75% | $1,453 |
Sources (1)
- secure.citizensaccess.com/Citi…personal/savings-cds/cds · captured Oct 25, 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.