Rates updated October 12, 2026 · 71 banks tracked

Citibank CD rates: 4.25% APY best term

Q: Is Citibank's CD rate good?

Citibank's best CD rate of 4.25% ranks in the upper half of the 71 banks SwitchWize tracks CD rates for. The best available CD rate tracked is 4.83%; the FDIC national savings average is 0.38%.

Q: Which banks pay more than Citibank on CDs?

Higher-paying tracked options include accordia (4.30%), liveoak (4.30%), and state-employees (4.30%).

Citibank’s best tracked CD pays 4.25% across 6 terms — ranking in the upper half of the 71 banks SwitchWize tracks CD rates for, where the best available rate is 4.83%. (Updated October 12, 2026.)

Citibank CD rates by term

Term	APY
3 months	0.05%
6 months	2.00%
1 year	4.25%Best
2 years	2.00%
3 years	2.00%
5 years	2.00%

Is Citibank a good CD rate? Not really. At 4.25% its best CD trails the 4.83% best available tracked rate, leaving about $146 a year on the table on a $25,000 deposit.

The gap, in your dollars

At 4.25%, $25,000 earns $1,063/yr here versus $1,208/yr at the field leader — a $146/yr difference.

See your exact number →

Higher-paying CD alternatives we track

accordiaView rates →liveoakView rates →state employeesView rates →

Rates subject to change. Verify before opening a CD.

Is it safe to switch? Any FDIC-insured bank carries the same federal deposit protection — the same coverage big banks carry. Verify Citibank and alternatives →

Frequently asked questions

What is Citibank's best CD rate?▾

Citibank's best tracked CD rate is 4.25% APY as of October 12, 2026, across 6 terms SwitchWize tracks for this bank.

Is Citibank's CD rate good?▾

Citibank's best CD rate ranks in the upper half of tracked banks. The best available tracked rate is 4.83% and the FDIC national savings average is 0.38%.

Which banks pay more than Citibank on CDs?▾

Higher-paying tracked options include accordia, liveoak, state employees. Compare rates at /cds to find the best current option.

← Citibank savings rate All tracked banks Compare CD rates

General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.