Rates updated · 70 banks tracked
Citizens Access CD rates: 3.25% APY best term
Citizens Access’s best tracked CD pays 3.25% across 4 terms — ranking in the lower half of the 70 banks SwitchWize tracks CD rates for, where the best available rate is 4.47%. (Updated August 27, 2026.)
Citizens Access CD rates by term
| Term | APY |
|---|---|
| 1 year | 3.25%Best |
| 2 years | 3.00% |
| 3 years | 2.75% |
| 5 years | 2.75% |
Is Citizens Access a good CD rate? Not really. At 3.25% its best CD trails the 4.47% best available tracked rate, leaving about $304 a year on the table on a $25,000 deposit.
The gap, in your dollars
At 3.25%, $25,000 earns $813/yr here versus $1,117/yr at the field leader — a $304/yr difference.
See your exact number →Higher-paying CD alternatives we track
Rates subject to change. Verify before opening a CD.
Frequently asked questions
What is Citizens Access's best CD rate?▾
Citizens Access's best tracked CD rate is 3.25% APY as of August 27, 2026, across 4 terms SwitchWize tracks for this bank.
Is Citizens Access's CD rate good?▾
Citizens Access's best CD rate ranks in the lower half of tracked banks. The best available tracked rate is 4.47% and the FDIC national savings average is 0.38%.
Which banks pay more than Citizens Access on CDs?▾
Higher-paying tracked options include american express, igobanking, provident. Compare rates at /cds to find the best current option.
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.