Bank · FDIC insured
Citizens Bank CD Rates
Citizens Bank’s best CD rate is 4.40% APY on a 39-month CD. Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Citizens Bank’s CD rates compare
Compared with banks and credit unions near Kingsport, TN-VA, where Citizens Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank
4.40%APY
- Term
- 39 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $1,502
Certificates of Deposit (CDs)
Top rate
Knoxville TVA Employees Credit Union
5.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $500
3rd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Citizens Bank CD score
94
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo4.40%
- QualifiedQualified4.40%
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 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 (CDs)
Up to 4.40%APY · 11 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.50% | $124 |
| 7 months7 Month Special | 4.25% | $246 |
| 12 months | 3.75% | $375 |
| 13 months13 Month Special | 4.25% | $461 |
| 18 months | 3.75% | $568 |
| 24 months | 3.75% | $764 |
| 30 months | 3.75% | $964 |
| 36 months | 3.75% | $1,168 |
| 39 months39 Month Special | 4.40% | $1,502 |
| 48 months | 4.00% | $1,699 |
| 60 months | 4.00% | $2,167 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 4.40%APY · 11 terms
No set-up, maintenance or annual fee. Traditional IRAs, Roth IRAs, Education IRAs, Individual and Spousal IRAs available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.50% | $124 |
| 7 months7 Month Special | 4.25% | $246 |
| 12 months | 3.75% | $375 |
| 13 months13 Month Special | 4.25% | $461 |
| 18 months | 3.75% | $568 |
| 24 months | 3.75% | $764 |
| 30 months | 3.75% | $964 |
| 36 months | 3.75% | $1,168 |
| 39 months39 Month Special | 4.40% | $1,502 |
| 48 months | 4.00% | $1,699 |
| 60 months | 4.00% | $2,167 |
Sources (2)
All captured Oct 15, 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.