Bank · FDIC insured
Citizens Independent Bank CD Rates
Citizens Independent Bank’s best CD rate is 4.00% APY on a 7-month CD. Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Citizens Independent Bank’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Citizens Independent Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Independent Bank
4.00%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $231
Personal Certificates of Deposit (CDs)
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 Independent Bank CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.00%
- 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 Independent 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.
Personal Certificates of Deposit (CDs)
Up to 4.00%APY · 4 terms
Fixed-rate earnings. Minimum deposit and method of compounding may vary on certificates. Maximum deposit of $250,000. Certificates automatically renew upon maturity. Early withdrawals subject to penalty. Some CDs may not be eligible for brokerage deposits, institutional investors or public funds. Wide range of terms available from 91 days to 5 years.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAutomatically renews upon maturity; early withdrawal penalty may apply; maximum deposit $250,000 | 3.00% | $149 |
| 7 monthsAutomatically renews upon maturity; early withdrawal penalty may apply; maximum deposit $250,000 | 4.00% | $231 |
| 11 monthsAutomatically renews upon maturity; early withdrawal penalty may apply; maximum deposit $250,000 | 4.00% | $366 |
| 24 monthsAutomatically renews upon maturity; early withdrawal penalty may apply; maximum deposit $250,000 | 3.00% | $609 |
Sources (4)
- bankcib.com
- bankcib.com/personal/personal-savings
- bankcib.com/personal/personal-…ates-of-deposit-cds.html
- bankcib.com/tools/rates.html
All captured Oct 16, 2026
Opening an account
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