Rate checked November 8, 2026 (today)
Citizens 5-year CD rate: 0.03% APY
Citizens's 5-year CD pays 0.03% APY. That ranks 60th of the 64 banks we track for this term. The best is 5.00% at Popular Direct.
- 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 5-year CD earns about $1,250 on the same money. Choosing Citizens instead gives up about $1,242 a year.
The middle 5-year rate across 64 banks is 3.13%. Figures are first-year interest at the quoted APY, before taxes.
We will email you once when Citizens's 60-month CD rate moves by 0.05 points or more, up or down. No other emails.
One email per rate change. Unsubscribe in one click. We never share your address.
Pick your maturity date. We email you 14 days before it, with today's best rates, so you can move the money before Citizens renews it. You will also get one email if this CD's rate changes.
Citizens 5-year 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 5-year CD
- Popular Direct5.00%
- Quorum Federal Credit Union5.00%
- Sallie Mae Bank5.00%
Citizens CD rates for other terms
Other Citizens rates
Questions
What is Citizens's 5-year CD rate?
Citizens pays 0.03% APY on its 5-year CD, based on its own rate page when we last checked. That earns about $8 a year on $25,000.
Is Citizens's 5-year CD rate good?
It ranks 60th of the 64 banks we track for this term. The best rate for this term is 5.00% at Popular Direct, and the middle rate is 3.13%. Choosing Citizens over the best costs about $1,242 a year on $25,000.
Which banks pay more than Citizens on a 5-year CD?
Popular Direct (5.00%), Quorum Federal Credit Union (5.00%), Sallie Mae Bank (5.00%).
The weekly top 5 rates
The best savings, money market, checking and CD rates once a week, plus the moves worth a look. Free, one-click unsubscribe, we never share your address.
Send me the weekly SwitchWize rate briefing: the biggest changes in savings, money market, checking and CD rates. Unsubscribe in one click. We never share your address.
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.