Citizens Bank 1-year business CD rate

Citizens Bank pays 0.03% APY on its 1-year business CD, as of November 9, 2026. That is below the median of 3.60% across the 27 banks we track for this term, and ranks 27th of 27. You need $25,000 to open it. Conditions apply, listed below.

APY

0.03%

Checked November 9, 2026

Open with

$25,000

Up to $1,000,000

Take it out early

180 days of interest

About $3.70 on $25,000

What $25,000 would earn

If you open this CD with $25,000 and leave it for 1 year, it would earn about $7.50. That is our estimate from the stated APY. The bank's own interest schedule decides the exact amount.

How this CD works

Rate: 0.03% APY
Term: 1 year
Minimum to open: $25,000
Maximum deposit: $1,000,000
Early withdrawal: 180 days of interest
Interest: Not published
Rate type: Not published
At the end of the term: Renews on its own; 10 days to withdraw without penalty
Adding money later: Not allowed
How to open: Not published
Deposit insurance: Insured by the FDIC

What the bank says about early withdrawal: $50 transaction penalty plus the greater of 90 calendar days' interest on the amount withdrawn or half the remaining interest to be earned on the withdrawn amount.

Conditions that apply:

You need a qualifying Citizens business checking account.
Offered in 15 states and Washington, DC.
Only the 3-month and 9-month terms pay a competitive rate. The bank shows 0.03% for the other terms.

How we checked: this bank's pages block automated reading, so the rate was read in a regular browser session on November 9, 2026. We cannot re-check it automatically, so it stays up for a shorter time.

Other 1-year business CDs

1-year business CD rates at other banks
Bank	APY	Open with
EagleBank	4.80%	$1,000
Live Oak Bank	4.50%	$2,500
State Bank of Texas	4.45%	$100,000
Prime Alliance Bank	4.35%	$500
Flagstar Bank	4.30%	$500
Amegy Bank	4.26%	$1,000

Other Citizens Bank business CD terms

Common questions

What is the Citizens Bank 1-year business CD rate?

0.03% APY as of November 9, 2026, read from the bank's own page. Rates on new CDs can change without notice.

How much do I need to open the Citizens Bank 1-year business CD?

$25,000, and the most you can deposit is $1,000,000.

How much would $25,000 earn in this CD?

About $7.50 over 1 year if it stays to the end of the term. This is our estimate from the stated APY, not a figure from the bank.

What happens if I take the money out early?

The bank charges 180 days of interest. On $25,000 that is roughly $3.70.

Check these before you open

Confirm today's rate with the bank. Rates change without notice.
Make sure your type of business can open one.
Write down the maturity date and the days you get to withdraw without a penalty.
Read the bank's account agreement.

Go to Citizens Bank All Citizens Bank terms Report a correction

Where this comes from

Each fact was copied from the bank's own page. Where the bank allows it, we check it against the page again on a schedule. We are not paid to rank a bank higher. See our methodology.