Bank · FDIC insured
The Citizens Bank CD Rates
The Citizens Bank’s best CD rate is 4.20% APY on a 6-month CD. Rates checked October 22, 2026.
How The Citizens Bank’s CD rates compare
Compared with banks and credit unions in Alabama, where The Citizens Bank has the most branches. $10,000, best rate first.
This bank’s best
The Citizens Bank
4.20%APY
- Term
- 6 months
- Minimum
- $25,000
- Earns on $10,000
- —
CD Special
Top rate
First Jackson Bank
5.01%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,769
2nd-highest rate
Birmingham City Credit Union
5.00%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $759
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CD Special
4.20%APY · 1 term
Limited-time special offer; requires opening a new account with new money.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires minimum deposit of $25,000 in new money; withdrawals will reduce earnings; penalty imposed for early withdrawal | 4.20% | $208 |
Sources (1)
- tcbenterprise.com/banking/pers…/certificates-of-deposit · captured Sep 19, 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.