Bank · FDIC insured
Citizens Bank CD Rates
Citizens Bank’s best CD rate is 4.00% APY on a 14-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Citizens Bank’s CD rates compare
Compared with banks and credit unions near Milwaukee, WI, where Citizens Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank
4.00%APY
- Term
- 14 months
- Minimum
- —
- Earns on $10,000
- $468
Certificates of Deposit (CDs)
Top rate
Kohler Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $373
2nd-highest rate
Bank Five Nine
4.65%APY
- Term
- 23 months
- Minimum
- $2,500
- Earns on $10,000
- $910
Citizens Bank CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo1.25%
- QualifiedQualified4.00%
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 4.00%APY · 9 terms
| Term | APY · $250 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6–12 monthsFlexible Add-On (6-12 month terms) | 0.40% | — | 0.40% | $20 |
| 7 months7 Month SPECIAL | — | 3.80% | 3.80% | $220 |
| 12 months | — | 0.60% | 0.60% | $60 |
| 14 months14 Month SPECIAL | — | 4.00% | 4.00% | $468 |
| 24 months | — | 0.70% | 0.70% | $140 |
| 26 months26 Month SPECIAL | — | 4.00% | 4.00% | $887 |
| 36 months | — | 1.06% | 1.06% | $321 |
| 48 months | — | 1.15% | 1.15% | $468 |
| 60 months | — | 1.25% | 1.25% | $641 |
Sources (1)
- citizensbankwi.bank/personal/deposit-rates · captured Oct 16, 2026
Special-purpose accounts
IRA CDs
Up to 4.00%APY · 8 terms
Available as Traditional IRA or Roth IRA. Additional deposits allowed anytime up to IRS annual limit. No setup or annual maintenance fees. Transfer fee applies when transferred to another financial institution.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed rate; additional deposits allowed anytime up to IRS annual limit; 3 months' interest early withdrawal penalty | 0.75% | $37 |
| 7 months7 Month SPECIAL | 3.80% | $220 |
| 12 monthsFixed rate; additional deposits allowed anytime up to IRS annual limit; 3 months' interest early withdrawal penalty | 1.00% | $100 |
| 14 months14 Month SPECIAL | 4.00% | $468 |
| 24 monthsFixed rate; additional deposits allowed anytime up to IRS annual limit; 12 months' interest early withdrawal penalty | 1.10% | $221 |
| 26 months26 Month SPECIAL | 4.00% | $887 |
| 36 monthsFixed rate; additional deposits allowed anytime up to IRS annual limit; 12 months' interest early withdrawal penalty | 1.40% | $426 |
| 48 monthsFixed rate; additional deposits allowed anytime up to IRS annual limit; 12 months' interest early withdrawal penalty | 1.50% | $614 |
Sources (2)
All captured Oct 16, 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.