Bank · FDIC insured
Citizens Bank Minnesota CD Rates
Citizens Bank Minnesota’s best CD rate is 3.75% APY on a 21-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Citizens Bank Minnesota’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Citizens Bank Minnesota has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank Minnesota
3.75%APY
- Term
- 21 months
- Minimum
- $2,500
- Earns on $10,000
- $665
Special Certificates of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
Citizens Bank Minnesota CD score
79
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo2.02%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.44%
- QualifiedQualified3.75%
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 Minnesota 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.
Special Certificates of Deposit
Up to 3.75%APY · 2 terms
$2,500 minimum deposit required. After certificate is issued, no additional deposits are allowed. Compounded quarterly. Early withdrawal penalty applies (12 months loss of interest). Basis 365 days.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsCompounded quarterly | 3.55% | $325 |
| 21 monthsCompounded quarterly | 3.75% | $665 |
Certificates of Deposit
Up to 3.44%APY · 6 terms
$500 minimum deposit/balance required. After certificate is issued, no additional deposits are allowed. Compounded quarterly. Early withdrawal penalty is 12 months loss of interest. Basis 365 days.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded quarterly | 2.02% | $100 |
| 12 monthsCompounded quarterly | 2.78% | $278 |
| 24 monthsCompounded quarterly | 3.03% | $615 |
| 36 monthsCompounded quarterly | 3.24% | $1,004 |
| 48 monthsCompounded quarterly | 3.34% | $1,404 |
| 60 monthsCompounded quarterly | 3.44% | $1,842 |
Special-purpose accounts
Special IRA Certificates of Deposit
3.44%APY · 1 term
$500 minimum deposit required. After certificate is issued, no additional deposits are allowed. Compounded quarterly. Early withdrawal penalty applies (12 months loss of interest). Basis 365 days.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsCompounded quarterly | 3.44% | $1,842 |
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.