Bank · FDIC insured
Citizens Trust Bank CD Rates
Citizens Trust Bank’s best CD rate is 1.25% APY on a 1-year CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Citizens Trust Bank’s CD rates compare
Compared with banks and credit unions near Atlanta, GA, where Citizens Trust Bank has the most branches. $10,000, best rate first.
This bank’s best
Citizens Trust Bank
1.25%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $125
Regular Certificates Of Deposit
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $347
2nd-highest rate
CDC Federal Credit Union
4.59%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $459
Citizens Trust Bank CD score
61
CD score
Higher than 5% of U.S. banks and credit unions
- 3–8 months3–8 mo0.03%
- 9–15 months9–15 mo1.25%
- 16–30 months16–30 mo1.25%
- 31–60 months31–60 mo1.25%
- QualifiedQualified1.25%
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 Trust 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.
Regular Certificates Of Deposit
Up to 1.25%APY · 10 terms
Early withdrawal penalty applies. Online applicants must be 18 or older.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm: 7-31 Day CD | 0.01% | $0 |
| 3 monthsTerm: 90 Day CD | 0.03% | $1 |
| 6 monthsTerm: 6 Month CD | 0.03% | $1 |
| 12 monthsTerm: 12 Month CD | 1.25% | $125 |
| 18 monthsTerm: 18 Month CD | 1.25% | $188 |
| 24 monthsTerm: 24 Month CD | 1.25% | $252 |
| 30 monthsTerm: 30 Month CD | 1.25% | $315 |
| 36 monthsTerm: 36 Month CD | 1.25% | $380 |
| 48 monthsTerm: 48 Month CD | 1.25% | $509 |
| 60 monthsTerm: 60 Month CD | 1.25% | $641 |
Jumbo Certificates Of Deposit
Up to 1.00%APY · 10 terms
Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 0 monthsTerm: 14 Day Jumbo CD | 0.01% | — |
| 1 monthTerm: 30 Day Jumbo CD | 0.01% | — |
| 2 monthsTerm: 60 Day Jumbo CD | 0.01% | — |
| 3 monthsTerm: 90 Day Jumbo CD | 0.03% | — |
| 6 monthsTerm: 6 Month Jumbo CD | 0.03% | — |
| 12 monthsTerm: 12 Month Jumbo CD | 1.00% | — |
| 24 monthsTerm: 24 Month Jumbo CD | 1.00% | — |
| 36 monthsTerm: 36 Month Jumbo CD | 1.00% | — |
| 48 monthsTerm: 48 Month Jumbo CD | 1.00% | — |
| 60 monthsTerm: 60 Month Jumbo CD | 1.00% | — |
Sources (1)
- ctbconnect.com/rates · captured Sep 25, 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.