Bank · FDIC insured
Citizens Savings Bank CD Rates
Citizens Savings Bank’s best CD rate is 4.07% APY on a 1-year CD. Terms run from 3 months to 6 years. Rates checked October 16, 2026.
How Citizens Savings Bank’s CD rates compare
Compared with banks and credit unions near Scranton, PA, where Citizens Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Savings Bank
4.07%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $407
Certificates of Deposit
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Citizens Savings Bank CD score
87
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo4.07%
- 31–60 months31–60 mo0.50%
- QualifiedQualified4.07%
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 Savings 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
Up to 4.07%APY · 22 terms
Eligible on personal accounts only. Early withdrawals subject to penalty (Term of 1 year or less: 3 months' interest; Terms of 1 year to 5 years: 6 months' interest; Term over 5 years: 1 year interest). Renews automatically upon maturity after 6-day grace period. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.05% | $1 |
| 4 months | 0.75% | $25 |
| 5 months | 0.75% | $31 |
| 6 months | 3.80% | $190 |
| 7 months | 0.75% | $44 |
| 8 months | 0.75% | $50 |
| 9 months | 0.75% | $56 |
| 10 months | 0.75% | $62 |
| 11 months | 1.25% | $115 |
| 12 months | 4.07% | $407 |
| 13 months | 0.35% | $38 |
| 14 months | 0.40% | $47 |
| 15 months | 4.07% | $511 |
| 18 months | 4.07% | $617 |
| 20 months | 0.25% | $42 |
| 24 months | 0.30% | $60 |
| 25 months | 0.30% | $63 |
| 30 months | 0.35% | $88 |
| 36 months | 0.35% | $105 |
| 48 months | 0.40% | $161 |
| 60 months | 0.50% | $253 |
| 72 months | 0.75% | $459 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Coverdell - Education IRA
Up to 4.07%APY · 8 terms
No setup or annual fee. Designated beneficiary must be under 18 when contributions are made. Must be withdrawn by the time beneficiary turns 30.
| Term | APY · $100 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.80% | — | 3.80% | $188 |
| 12 months | 4.07% | — | 4.07% | $407 |
| 14 months | 0.60% | — | 0.60% | $70 |
| 18 months | 4.07% | — | 4.07% | $617 |
| 20 months | — | 0.25% | 0.25% | $42 |
| 30 months | — | 0.35% | 0.35% | $88 |
| 48 months | — | 0.50% | 0.50% | $202 |
| 72 months | — | 0.75% | 0.75% | $459 |
Sources (2)
All captured Sep 17, 2026
Roth IRA
Up to 4.07%APY · 8 terms
Funds can be used to purchase CDs within IRA. No setup or monthly/annual maintenance fees. Subject to income limits to open.
| Term | APY · $100 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.80% | — | 3.80% | $188 |
| 12 months | 4.07% | — | 4.07% | $407 |
| 14 months | 0.60% | — | 0.60% | $70 |
| 18 months | 4.07% | — | 4.07% | $617 |
| 20 months | — | 0.25% | 0.25% | $42 |
| 30 months | — | 0.35% | 0.35% | $88 |
| 48 months | — | 0.50% | 0.50% | $202 |
| 72 months | — | 0.75% | 0.75% | $459 |
Sources (2)
All captured Sep 17, 2026
Traditional IRA
Up to 4.07%APY · 10 terms
Funds can be used to purchase CDs within IRA. No setup or monthly/annual maintenance fees. Early withdrawals subject to penalty. Mandatory withdrawals at age 72.
| Term | APY · $100 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.80% | — | 3.80% | $188 |
| 12 months | 4.07% | — | 4.07% | $407 |
| 13 months | 0.50% | — | 0.50% | $54 |
| 14 months | 0.60% | — | 0.60% | $70 |
| 15 months | 4.07% | — | 4.07% | $511 |
| 18 months | 4.07% | — | 4.07% | $617 |
| 20 months | — | 0.25% | 0.25% | $42 |
| 30 months | — | 0.35% | 0.35% | $88 |
| 48 months | — | 0.50% | 0.50% | $202 |
| 72 months | — | 0.75% | 0.75% | $459 |
Sources (2)
All captured Sep 17, 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.