Certificates of Deposit (CDs)

Choose Your Account

Saving with peace of mind. With our 14-Month CD, you’ll know exactly how much you’ll earn over a fixed term. Better rates available for Platinum and Platinum Plus Checking customers.

This 48-Month CD allows for a longer period of investment with the same fixed rate and peace of mind over a fixed term. Better rates available for Platinum and Platinum Plus Checking customers.

Our Breakable CDs are easy to open and provide flexibility with one penalty-free withdrawal during your term. Better rates available for Platinum and Platinum Plus Checking customers.

This IRA CD provides peace of mind with FDIC insurance to help preserve your nest egg. Plus, a great competitive rate to help your funds grow even faster.

  • Variety of fixed yields and terms
  • No monthly maintenance fees
  • 24/7 Online Banking, Mobile Banking and Phone Banking
  • 1,100 branches and more than 3,100 ATMs
  • Peace of mind with FDIC insurance

For more information on rates, visit a branch or call 1-800-948-7200

Ability to
Withdraw Early

Early withdrawal penalties apply.

Early withdrawal penalties apply.

Includes a one-time, full or partial withdrawal without penalty of funds during the term of your account.

Begins at age 70 ; early withdrawal fees do apply.

Early withdrawal fees (certain exceptions may apply) 2. IRA penalties may apply. Consult your tax advisor .

Not available on mobile devices. Please click the button below to view a PDF in browser.

Other ways we can help

Setting Savings Goals

Get on track with your financial goals and create a solid savings plan

Savings Rate Calculator

Calculate how different savings rates can impact your savings strategy.

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Thank you for your interest in
Citizens Bank

The zip code you entered is served by Citizens One, the brand name for Citizens Bank’s lending business outside of our 11‑state branch footprint. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages, Personal Loans and Student Loans. To learn more, please visit:

Thank you for your interest in Citizens Bank

The zip code you entered is served by Citizens One, the brand name for Citizens Bank’s lending business outside of our 11‑state branch footprint. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages, Personal Loans and Student Loans. To learn more, please visit:

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