Bank · FDIC insured
Citizens Federal Savings & Loan Association CD Rates
Citizens Federal Savings & Loan Association’s best CD rate is 4.25% APY on a 16-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Citizens Federal Savings & Loan Association’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Citizens Federal Savings & Loan Association has the most branches. $10,000, best rate first.
This bank’s best
Citizens Federal Savings & Loan Association
4.25%APY
- Term
- 16 months
- Minimum
- $1,000
- Earns on $10,000
- $571
Certificate of Deposit (CD)
Top rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $488
2nd-highest rate
Community Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $5,000
- Earns on $10,000
- $1,412
Citizens Federal Savings & Loan Association CD score
89
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.15%
- QualifiedQualified4.25%
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 Federal Savings & Loan Association 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 (CD)
Up to 4.25%APY · 16 terms
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 4.00% | 4.00% | $99 |
| 6 months | — | 3.00% | 3.00% | $149 |
| 10 months | 0.25% | — | 0.25% | $21 |
| 11 months | 3.80% | — | 3.80% | $348 |
| 12 months | 3.10% | — | 3.10% | $310 |
| 13 months | 3.20% | — | 3.20% | $347 |
| 16 months | 4.25% | — | 4.25% | $571 |
| 18 months | 2.85% | — | 2.85% | $431 |
| 24 months | 0.80% | — | 0.80% | $161 |
| 29 months | 2.90% | — | 2.90% | $715 |
| 30 months | 0.65% | — | 0.65% | $163 |
| 36 months | 2.55% | — | 2.55% | $785 |
| 48 months | 2.95% | — | 2.95% | $1,233 |
| 49 months | 2.95% | — | 2.95% | $1,260 |
| 59 months | 3.15% | — | 3.15% | $1,647 |
| 60 months | 0.90% | — | 0.90% | $458 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate of Deposit (CD)
Up to 3.30%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 months | 3.30% | $846 |
| 60 months | 2.45% | $1,287 |
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.