Rates updated · 71 banks tracked
Citizens Trust Bank CD rates: 1.25% APY best term
Citizens Trust Bank’s best tracked CD pays 1.25% across 6 terms — ranking in the bottom 10th percentile of the 71 banks SwitchWize tracks CD rates for, where the best available rate is 4.83%. (Updated October 11, 2026.)
Citizens Trust Bank CD rates by term
| Term | APY |
|---|---|
| 3 months | 0.03% |
| 6 months | 0.03% |
| 1 year | 1.25%Best |
| 2 years | 1.25%Best |
| 3 years | 1.25%Best |
| 5 years | 1.25%Best |
Is Citizens Trust Bank a good CD rate? Not really. At 1.25% its best CD trails the 4.83% best available tracked rate, leaving about $896 a year on the table on a $25,000 deposit.
The gap, in your dollars
At 1.25%, $25,000 earns $313/yr here versus $1,208/yr at the field leader — a $896/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 Trust Bank's best CD rate?▾
Citizens Trust Bank's best tracked CD rate is 1.25% APY as of October 11, 2026, across 6 terms SwitchWize tracks for this bank.
Is Citizens Trust Bank's CD rate good?▾
Citizens Trust Bank's best CD rate ranks in the bottom 10th percentile 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 Citizens Trust Bank on CDs?▾
Higher-paying tracked options include wells fargo, emigrant bank, usaa. 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.