Rate checked November 1, 2026

Citizens Access 5-year CD rate: 2.75% APY

Citizens Access's 5-year CD pays 2.75% APY. That ranks 35th of the 62 banks we track for this term. The best is 5.00% at Popular Direct.

What it earns on $25,000

At 2.75%, $25,000 earns about $688 in the first year.

The best 5-year CD earns about $1,250 on the same money. Choosing Citizens Access instead gives up about $562 a year.

The middle 5-year rate across 62 banks is 3.00%. Figures are first-year interest at the quoted APY, before taxes.

Banks that pay more for a 5-year CD

Citizens Access CD rates for other terms

12-month3.25%
2-year3.00%
3-year2.75%

Questions

What is Citizens Access's 5-year CD rate?

Citizens Access pays 2.75% APY on its 5-year CD, based on its own rate page when we last checked. That earns about $688 a year on $25,000.

Is Citizens Access's 5-year CD rate good?

It ranks 35th of the 62 banks we track for this term. The best rate for this term is 5.00% at Popular Direct, and the middle rate is 3.00%. Choosing Citizens Access over the best costs about $562 a year on $25,000.

Which banks pay more than Citizens Access on a 5-year CD?

Popular Direct (5.00%), Quorum Federal Credit Union (5.00%), Sallie Mae Bank (5.00%).

All Citizens Access CD rates Best 5-year CD rates CD rates today Early withdrawal cost

General information only. Rates change often; confirm the rate, minimum deposit and early withdrawal penalty with the bank before you open a CD. SwitchWize is not a bank and does not give financial advice.