Citizens:
Online Certificate of Deposit - 3.50% APY
• Fixed interest rate
• Fund at beginning of term
• $5,000 minimum deposit
• Renew or withdraw entire balance at CD maturity; Early withdrawals subject to penalty
Fee and Feature Guide
| Certificate of Deposit | |
|---|---|
| Interest Rate | |
| APY | 3.50% |
| Term Length | 12 Month |
| Minimum deposit amount | $5,000.00 |
| Maximum deposit amount | N/A |
| Balance Requirements | |
| Minimum Opening Deposit | $5,000.00 |
| Minimum Balance to Avoid Fees | $0.00 |
| Minimum Required Balance | $0.00 |
| Minimum To Earn | $0.00 |
| Fees | |
| Early withdrawal penalty | |
| Monthly Maintenance Fee | N/A |
| Foreign ATM Fees | N/A |
| Insufficient Funds Fee | N/A |
| Incoming Wires | N/A |
| Statements | |
| Paper Statements | × |
| Online Statements | Yes |
| Online and Telephone Banking | |
| Online Banking | Yes |
| Telephone Banking | Yes |
| Mobile Banking | Yes |
| Deposit Checks with Mobile Device | Yes |
| Free Bill Pay | × |
| Online Bill Payments Required | Yes |
| Account Opening | |
| Open Online | Yes |
| Insured by | F.D.I.C. |
Recent Rate Changes
| Date | APY |
|---|---|
| April 17, 2025 | 3.50% |
| February 17, 2025 | 4.35% |
| December 23, 2024 | 4.00% |
| September 28, 2024 | 4.25% |
| August 2, 2024 | 4.50% |
| January 19, 2024 | 5.00% |
| September 22, 2023 | 5.50% |
Customer Reviews for Citizens (38)
james
November 18, 2023 |
bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest.
Is this review helpful? Yes:4 / No: 0
yes, ma'am
October 18, 2023 |
Citizens is just a great CSR experience in every way imaginable (user interface, phone support, etc.) compared to any of these other places on this list. Also, a recognized and positive brand (at least throughout the northeast). I just renewed a 1-year CD with them and highly recommend. (Four 1/2 stars because I wish the rates were further towards to top of this table).
Is this review helpful? Yes:0 / No: 0
Dr. Bill N
January 18, 2023 |
The website is constantly down. I'll move all my accounts to a less recognized name with a better rate as that gives me fewer surprises like this.
Is this review helpful? Yes:1 / No: 0
biddysundance
September 1, 2022 |
updated review - The bank managed to finally provide the requested document listing the beneficiary after a number of calls. So will add a few stars. The website still needs some work to be more descriptive of the transfer information. It is pretty useless as all it has is generic info with no bank information listed under the source of the transfer. Pretty mediocre for a bank listed as having over 160 billion in assets.
Is this review helpful? Yes:1 / No: 0
CJ Regan
September 1, 2022 |
I'm only comfortable with banks whose names I recognize and among those 4 or 5 I have found Citizens consistently has the best rate in 2022. Also outstanding service. I will stick with this one over anything else on this site.
Is this review helpful? Yes:1 / No: 0
Add Your Review
or use your BestCashCow account