Bank · FDIC insured
Citizens Bank & Trust Company CD Rates
Citizens Bank & Trust Company’s best CD rate is 3.67% APY on an 8-month CD. Terms run from 4 months to 8 months. Rates checked October 16, 2026.
How Citizens Bank & Trust Company’s CD rates compare
Compared with banks and credit unions in Louisiana, where Citizens Bank & Trust Company has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank & Trust Company
3.67%APY
- Term
- 8 months
- Minimum
- —
- Earns on $10,000
- $243
Certificate of Deposit (CD)
Top rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
2nd-highest rate
IRFCU
4.58%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $226
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CD)
Up to 3.67%APY · 2 terms
Earn money market rates on terms ranging from 7 days to 5 years. Interest compounds annually or at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsHigh Yield 4-Month CD. $10,000 minimum balance required. Penalty for early withdrawal | 3.39% | $112 |
| 8 monthsHigh Yield 8-Month CD. $10,000 minimum balance required. Penalty for early withdrawal | 3.67% | $243 |
Sources (1)
- citizensbankandtrust.com/personal/cds-and-iras · captured Sep 18, 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.