Rate checked November 8, 2026 (today)
Citizens 3-month CD rate: 0.03% APY
Citizens's 3-month CD pays 0.03% APY. That ranks 36th of the 40 banks we track for this term. The best is 4.30% at Bank5 Connect.
- APY
- 0.03%
- Last change
- None yet
- Tracked since Aug 4, 2026
- Last checked
- today
- Nov 8, 2026
What it earns on $25,000
At 0.03%, $25,000 earns about $8 in the first year.
The best 3-month CD earns about $1,075 on the same money. Choosing Citizens instead gives up about $1,067 a year.
The middle 3-month rate across 40 banks is 2.95%. Figures are first-year interest at the quoted APY, before taxes.
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Citizens 3-month CD rate history
We have tracked this rate since August 4, 2026 and it has not changed.
| Date | APY | Change |
|---|---|---|
| August 4, 2026 | 0.03% | First tracked |
Banks that pay more for a 3-month CD
- Bank5 Connect4.30%
- Popular Direct4.30%
- Merrick Bank4.26%
Citizens CD rates for other terms
Other Citizens rates
Questions
What is Citizens's 3-month CD rate?
Citizens pays 0.03% APY on its 3-month CD, based on its own rate page when we last checked. That earns about $8 a year on $25,000.
Is Citizens's 3-month CD rate good?
It ranks 36th of the 40 banks we track for this term. The best rate for this term is 4.30% at Bank5 Connect, and the middle rate is 2.95%. Choosing Citizens over the best costs about $1,067 a year on $25,000.
Which banks pay more than Citizens on a 3-month CD?
Bank5 Connect (4.30%), Popular Direct (4.30%), Merrick Bank (4.26%).
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