Citibank Offering 6 Month CD at 4% APY

Rate information contained on this page may have changed. Please find latest cd rates.

Citibank is offering a competitive 6 month CD paying 4% APY.

UPDATE:  Citibank has lowered the rates on its 6 month CD.  Please check the Citibank website for the most up-to-date rates.

Citibank is getting a bit more aggressive with its rates and is offering a competitive 6 month CD paying 4% APY.  There is a minimum balance requirement of $500 to open the account.

4% is competitive when stacked against the best 6 month cd rates.

As is expected from a large bank, Citibank has an all electronic process for opening an account online.  You verify your identify by answering a few financial questions which they match against a credit report.  Once you are verified, the account is opened and you can transfer money into it from another via using your checking account number and your routing number.  Or, you can fund it via a credit or debit card.

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Today's Highest Online CD Rates

Bank Product Term Interest Rate (APY)
CFG Bank 1-Year 3.20% APY with $500 minimum
Department Of Commerce 1-Year 3.10% APY with $500 minimum
TotalDirect, a division of City National Bank of Florida 1-Year 3.05% APY with $25,000 minimum
Connexus 3-Year 3.61% APY with $5,000 minimum
CFG Bank 3-Year 3.50% APY with $500 minimum
Department Of Commerce 3-Year 3.39% APY with $500 minimum
M.Y. Safra Bank 5-Year 3.75% APY with $500 minimum
KS StateBank 5-Year 3.70% APY with $100,000 minimum
Bread Savings, a division of Comenity Capital Bank 5-Year 3.65% APY with $1,500 minimum

See More Online CD Rates →


  • Can't verify this rate

    November 18, 2008

    I check the website and they indicate 3.50%.

  • Chris

    November 18, 2008

    I went with They are offering 3.8% APY with no minimum balance on their online savings account.

  • StupidOne

    November 18, 2008

    The rate is now 3.10%.

  • Marcus

    December 16, 2008

    Thanks for the tip Chris, I went with Venture Bank Direct and have been happy so far. They are in the process of adding an online checking account to their mix. Also their interest rate is now 3.6% APY.

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