Bank · FDIC insured
Citizens Bank & Trust Co. CD Rates
Citizens Bank & Trust Co.’s best CD rate is 4.06% APY on an 18-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Citizens Bank & Trust Co.’s CD rates compare
Compared with banks and credit unions near Hutchinson, MN, where Citizens Bank & Trust Co. has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank & Trust Co.
4.06%APY
- Term
- 18 months
- Minimum
- —
- Earns on $10,000
- $615
Certificates
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
CorTrust Bank
4.30%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,346
Citizens Bank & Trust Co. CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.96%
- 16–30 months16–30 mo4.06%
- 31–60 months31–60 mo3.65%
- QualifiedQualified4.06%
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 Bank & Trust Co. 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.
Certificates
Up to 4.06%APY · 7 terms
Penalty for early withdrawal.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsPenalty for early withdrawal | — | 3.85% | 3.85% | $191 |
| 12 monthsPenalty for early withdrawal | — | 3.96% | 3.96% | $396 |
| 18 monthsPenalty for early withdrawal | — | 4.06% | 4.06% | $615 |
| 24 monthsPenalty for early withdrawal | 3.85% | — | 3.85% | $785 |
| 36 monthsPenalty for early withdrawal | 3.65% | — | 3.65% | $1,135 |
| 48 monthsPenalty for early withdrawal | 3.55% | — | 3.55% | $1,497 |
| 60 monthsPenalty for early withdrawal | 3.03% | — | 3.03% | $1,610 |
Sources (1)
- cbhutch.com/rates-specials · captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 4.06%APY · 7 terms
Offers traditional IRAs, Roth IRAs, and Education IRAs invested in Certificates of Deposit. Regular CD terms and rates are available for IRAs. Penalty for early withdrawal.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsRegular CD terms and rates apply to IRAs. Penalty for early withdrawal | — | 3.85% | 3.85% | $191 |
| 12 monthsRegular CD terms and rates apply to IRAs. Penalty for early withdrawal | — | 3.96% | 3.96% | $396 |
| 18 monthsRegular CD terms and rates apply to IRAs. Penalty for early withdrawal | — | 4.06% | 4.06% | $615 |
| 24 monthsRegular CD terms and rates apply to IRAs. Penalty for early withdrawal | 3.85% | — | 3.85% | $785 |
| 36 monthsRegular CD terms and rates apply to IRAs. Penalty for early withdrawal | 3.65% | — | 3.65% | $1,135 |
| 48 monthsRegular CD terms and rates apply to IRAs. Penalty for early withdrawal | 3.55% | — | 3.55% | $1,497 |
| 60 monthsRegular CD terms and rates apply to IRAs. Penalty for early withdrawal | 3.03% | — | 3.03% | $1,610 |
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.