Bank · FDIC insured
Citizens Bank CD Rates
Citizens Bank’s best CD rate is 3.04% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Citizens Bank’s CD rates compare
Compared with banks and credit unions near Indianapolis, IN, where Citizens Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank
3.04%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,615
Certificates of Deposit
Top rate
IU Credit Union
4.50%APY
- Term
- 6 months
- Minimum
- $2,000
- Earns on $10,000
- $223
2nd-highest rate
Elements Financial
4.50%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $298
Citizens Bank CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo0.50%
- 9–15 months9–15 mo0.75%
- 16–30 months16–30 mo1.76%
- 31–60 months31–60 mo3.04%
- QualifiedQualified3.04%
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
Up to 3.04%APY · 9 terms
Substantial interest penalties apply for early withdrawal of funds from Certificates of Deposits/IRA's.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMin. Balance to Earn APY: None | 0.05% | $1 |
| 6 monthsMin. Balance to Earn APY: None | 0.50% | $25 |
| 12 monthsMin. Balance to Earn APY: None | 0.75% | $75 |
| 18 monthsMin. Balance to Earn APY: None | 1.00% | $150 |
| 24 monthsMin. Balance to Earn APY: None | 1.50% | $302 |
| 30 monthsMin. Balance to Earn APY: None | 1.76% | $446 |
| 36 monthsMin. Balance to Earn APY: None | 2.53% | $778 |
| 48 monthsMin. Balance to Earn APY: None | 2.78% | $1,159 |
| 60 monthsMin. Balance to Earn APY: None | 3.04% | $1,615 |
Sources (1)
- citizens-banking.com/personal/savings · captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 4.14%APY · 8 terms
Substantial interest penalties apply for early withdrawal of funds from Certificates of Deposits/IRA's.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMin. Balance to Earn APY: None | 0.50% | $25 |
| 12 monthsMin. Balance to Earn APY: None | 0.75% | $75 |
| 18 monthsMin. Balance to Earn APY: None | 4.14% | $627 |
| 24 monthsMin. Balance to Earn APY: None | 1.50% | $302 |
| 30 monthsMin. Balance to Earn APY: None | 1.76% | $446 |
| 36 monthsMin. Balance to Earn APY: None | 2.53% | $778 |
| 60 monthsMin. Balance to Earn APY: None | 3.00% | $1,593 |
| 84 monthsMin. Balance to Earn APY: None | 0.55% | $391 |
Sources (1)
- citizens-banking.com/personal/savings · 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.