Bank · FDIC insured
Citizens Bank & Trust CD Rates
Citizens Bank & Trust’s best CD rate is 3.81% APY on a 5-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Citizens Bank & Trust’s CD rates compare
Compared with banks and credit unions near Grand Island, NE, where Citizens Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank & Trust
3.81%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $157
Certificates of Deposit
Top rate
Union Bank & Trust
4.40%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $899
2nd-highest rate
Cornerstone Bank
4.35%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $547
Citizens Bank & Trust CD score
71
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo3.81%
- 9–15 months9–15 mo2.37%
- 16–30 months16–30 mo2.57%
- 31–60 months31–60 mo2.27%
- QualifiedQualified3.81%
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 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 of Deposit
Up to 3.81%APY · 9 terms
A penalty may be imposed for early withdrawal. Daily balance method applies. Ten-day grace period at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA penalty may be imposed for early withdrawal | 1.96% | $49 |
| 5 monthsA penalty may be imposed for early withdrawal | 3.81% | $157 |
| 6 monthsA penalty may be imposed for early withdrawal | 2.02% | $100 |
| 12 monthsA penalty may be imposed for early withdrawal | 2.37% | $237 |
| 18 monthsA penalty may be imposed for early withdrawal | 2.52% | $380 |
| 24 monthsA penalty may be imposed for early withdrawal | 2.57% | $521 |
| 36 monthsA penalty may be imposed for early withdrawal | 2.27% | $697 |
| 48 monthsA penalty may be imposed for early withdrawal | 2.27% | $939 |
| 60 monthsA penalty may be imposed for early withdrawal | 2.27% | $1,188 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
1.81%APY · 1 term
No set-up or maintenance fees. Daily balance method applies. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 1.81% | $273 |
Sources (2)
All captured Oct 5, 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.