Bank · FDIC insured
The Citizens Bank Company CD Rates
The Citizens Bank Company’s best CD rate is 4.06% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How The Citizens Bank Company’s CD rates compare
Compared with banks and credit unions near Marietta, OH, where The Citizens Bank Company has the most branches. $10,000, best rate first.
This bank’s best
The Citizens Bank Company
4.06%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $406
Certificates of Deposit
Top rate
First Mutual Bank
4.25%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $906
2nd-highest rate
Huntington Bank
4.10%APY
- Term
- 5 months
- Minimum
- $1,000
- Earns on $10,000
- $169
The Citizens Bank Company CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo2.78%
- QualifiedQualified4.06%
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 The Citizens Bank Company 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 4.06%APY · 8 terms
The minimum opening balance for all deposits is $1,000.00. 91-Day C/D's thru 36-Month C/D's- Interest can be compounded quarterly. Penalties for early withdrawal may be applicable.
| Term | APY · $1,000 – $9,999 | APY · $10,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 – $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 months91 Day CD. Interest can be compounded quarterly | 1.38% | 1.38% | 1.38% | 1.38% | 1.38% | 1.38%1.38% $1k–$10k1.38% $50k–$100k1.38% $100k–$250k1.38% from $250k | $35 |
| 6 months182 Day CD. Interest can be compounded quarterly | 3.70% | 3.70% | 3.70% | 3.70% | 3.70% | 3.70%3.70% $1k–$10k3.70% $50k–$100k3.70% $100k–$250k3.70% from $250k | $185 |
| 12 months12 Month CD. Interest can be compounded quarterly | 4.06% | 4.06% | 4.06% | 4.06% | 4.06% | 4.06%4.06% $1k–$10k4.06% $50k–$100k4.06% $100k–$250k4.06% from $250k | $406 |
| 18 months18 Month CD. Interest can be compounded quarterly | 3.70% | 3.70% | 3.70% | 3.70% | 3.70% | 3.70%3.70% $1k–$10k3.70% $50k–$100k3.70% $100k–$250k3.70% from $250k | $560 |
| 24 months24 Month CD. Interest can be compounded quarterly | 3.09% | 3.09% | 3.09% | 3.09% | 3.09% | 3.09%3.09% $1k–$10k3.09% $50k–$100k3.09% $100k–$250k3.09% from $250k | $628 |
| 36 months36 Month CD. Interest can be compounded quarterly | 1.71% | 1.71% | 1.71% | 1.71% | 1.71% | 1.71%1.71% $1k–$10k1.71% $50k–$100k1.71% $100k–$250k1.71% from $250k | $522 |
| 48 months48 Month CD Special. Interest can be compounded quarterly. At the customer's discretion, the interest rate and (APY) may be changed one (1) time over the term of the certificate by using the interest rate that is indexed to the 36-Month $50,000.00 and Over rate | 2.78% | 2.78% | 2.78% | 2.78% | 2.78% | 2.78%2.78% $1k–$10k2.78% $50k–$100k2.78% $100k–$250k2.78% from $250k | $1,159 |
| 60 months60 Month CD | 2.02% | 2.02% | 2.02% | 2.02% | 2.02% | 2.02%2.02% $1k–$10k2.02% $50k–$100k2.02% $100k–$250k2.02% from $250k | $1,052 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 4.06%APY · 5 terms
The minimum opening balance for all certificates is $1,000.00. 91-Day C/D's thru 36-Month C/D's- Interest can be compounded quarterly. Penalties for early withdrawal may be applicable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months182 Day IRA. 91-Day C/D's thru 36-Month C/D's- Interest can be compounded quarterly | 3.70% | $185 |
| 12 months12 Month IRA. 91-Day C/D's thru 36-Month C/D's- Interest can be compounded quarterly | 4.06% | $406 |
| 24 months24 Month IRA. 91-Day C/D's thru 36-Month C/D's- Interest can be compounded quarterly | 3.09% | $628 |
| 36 months36 Month IRA. 91-Day C/D's thru 36-Month C/D's- Interest can be compounded quarterly | 1.71% | $522 |
| 48 months48 Month IRA | 2.78% | $1,159 |
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.