Bank · FDIC insured
Citizens Bank CD Rates
Citizens Bank’s best CD rate is 4.20% APY on an 18-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Citizens Bank’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Citizens Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank
4.20%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $637
Certificate of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
Citizens Bank CD score
87
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo0.85%
- QualifiedQualified4.20%
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.
Certificate of Deposit
Up to 4.20%APY · 15 terms
Rates are accurate as of August 5th, 2026. APY is based on the minimum opening deposit required and term interest is compounded assuming principal and interest remain on deposit. Interest rate and APY subject to change without notice. Fees may reduce earnings. Penalty on CD for early withdrawal.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $2,500 and up | APY · $20,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 1 monthCompounded at Maturity. 31 Day CD | — | — | — | 0.10% | —0.10% from $20k | — |
| 3 monthsCompounded at Maturity. 91 Day CD | — | — | 3.51% | — | 3.51% | $88 |
| 4 monthsCompounded at Maturity. 4 Month CD | — | 0.10% | — | — | 0.10% | $3 |
| 6 monthsCompounded at Maturity. 6 Month CD | — | 3.89% | — | — | 3.89% | $193 |
| 6 monthsCompounded at Maturity. 182 Day CD | — | 0.15% | — | — | 0.15% | $8 |
| 8 monthsCompounded at Maturity. 8 Month CD | — | 4.05% | — | — | 4.05% | $268 |
| 11 monthsCompounded at Maturity. 11 Month CD | — | 0.35% | — | — | 0.35% | $32 |
| 11 monthsCompounded at Maturity. 333 Day CD | — | 3.55% | — | — | 3.55% | $328 |
| 12 monthsCompounded Quarterly. 12 Month CD | — | 0.20% | — | — | 0.20% | $20 |
| 18 monthsCompounded Semi-Annual. 18 Month CD | 4.20% | — | — | — | 4.20% | $637 |
| 20 monthsCompounded Annual. 20 Month CD | — | 2.75% | — | — | 2.75% | $463 |
| 24 monthsCompounded Semi-Annual. 24 Month CD | 0.40% | — | — | — | 0.40% | $80 |
| 30 monthsCompounded Semi-Annual. 30 Month CD | — | 3.00% | — | — | 3.00% | $767 |
| 36 monthsCompounded Semi-Annual. 36 Month CD | 0.55% | — | — | — | 0.55% | $166 |
| 42 monthsCompounded Semi-Annual. 42 Month CD | 0.55% | — | — | — | 0.55% | $194 |
| 48 monthsCompounded Semi-Annual. 48 Month CD | — | 0.70% | — | — | 0.70% | $283 |
| 60 monthsCompounded Semi-Annual. 60 Month CD | — | 0.85% | — | — | 0.85% | $432 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificate
Up to 4.20%APY · 15 terms
IRA Certificate rates same as Certificate of Deposit rates. Rates are accurate as of August 5th, 2026. APY is based on the minimum opening deposit required and term interest is compounded assuming principal and interest remain on deposit. Interest rate and APY subject to change without notice. Fees may reduce earnings. Penalty on CD for early withdrawal.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $2,500 and up | APY · $20,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 1 monthCompounded at Maturity. 31 Day CD | — | — | — | 0.10% | —0.10% from $20k | — |
| 3 monthsCompounded at Maturity. 91 Day CD | — | — | 3.51% | — | 3.51% | $88 |
| 4 monthsCompounded at Maturity. 4 Month CD | — | 0.10% | — | — | 0.10% | $3 |
| 6 monthsCompounded at Maturity. 6 Month CD | — | 3.89% | — | — | 3.89% | $193 |
| 6 monthsCompounded at Maturity. 182 Day CD | — | 0.15% | — | — | 0.15% | $8 |
| 8 monthsCompounded at Maturity. 8 Month CD | — | 4.05% | — | — | 4.05% | $268 |
| 11 monthsCompounded at Maturity. 11 Month CD | — | 0.35% | — | — | 0.35% | $32 |
| 11 monthsCompounded at Maturity. 333 Day CD | — | 3.55% | — | — | 3.55% | $328 |
| 12 monthsCompounded Quarterly. 12 Month CD | — | 0.20% | — | — | 0.20% | $20 |
| 18 monthsCompounded Semi-Annual. 18 Month CD | 4.20% | — | — | — | 4.20% | $637 |
| 20 monthsCompounded Annual. 20 Month CD | — | 2.75% | — | — | 2.75% | $463 |
| 24 monthsCompounded Semi-Annual. 24 Month CD | 0.40% | — | — | — | 0.40% | $80 |
| 30 monthsCompounded Semi-Annual. 30 Month CD | — | 3.00% | — | — | 3.00% | $767 |
| 36 monthsCompounded Semi-Annual. 36 Month CD | 0.55% | — | — | — | 0.55% | $166 |
| 42 monthsCompounded Semi-Annual. 42 Month CD | 0.55% | — | — | — | 0.55% | $194 |
| 48 monthsCompounded Semi-Annual. 48 Month CD | — | 0.70% | — | — | 0.70% | $283 |
| 60 monthsCompounded Semi-Annual. 60 Month CD | — | 0.85% | — | — | 0.85% | $432 |
Sources (2)
All captured Sep 17, 2026
Opening an account
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