Rates updated · 71 banks tracked
Citizens CD rates: 0.03% APY best term
Citizens’s best tracked CD pays 0.03% 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 CD rates by term
| Term | APY |
|---|---|
| 3 months | 0.03%Best |
| 6 months | 0.03%Best |
| 1 year | 0.03%Best |
| 2 years | 0.03%Best |
| 3 years | 0.03%Best |
| 5 years | 0.03%Best |
Is Citizens a good CD rate? Not really. At 0.03% its best CD trails the 4.83% best available tracked rate, leaving about $1,201 a year on the table on a $25,000 deposit.
The gap, in your dollars
At 0.03%, $25,000 earns $8/yr here versus $1,208/yr at the field leader — a $1,201/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's best CD rate?▾
Citizens's best tracked CD rate is 0.03% APY as of October 11, 2026, across 6 terms SwitchWize tracks for this bank.
Is Citizens's CD rate good?▾
Citizens'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 on CDs?▾
Higher-paying tracked options include applied, bank of hope, citizens trust. 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.