Bank · FDIC insured
The Citizens Bank CD Rates
The Citizens Bank’s best CD rate is 3.79% APY on a 15-month CD. Rates checked October 22, 2026.
How The Citizens Bank’s CD rates compare
Compared with banks and credit unions in Kentucky, where The Citizens Bank has the most branches. $10,000, best rate first.
This bank’s best
The Citizens Bank
3.79%APY
- Term
- 15 months
- Minimum
- —
- Earns on $10,000
- $476
15 Month CD
Top rate
UK Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $373
2nd-highest rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
15 Month CD
3.79%APY · 1 term
Features a 1-time penalty-free withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 months1-time penalty-free withdrawal | 3.79% | $476 |
Sources (1)
- tcbanytime.com · 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.