Online Certificate of Deposit - 1.75% 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 1.75%
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
Early withdrawal penalty
Monthly Maintenance Fee N/A
Foreign ATM Fees N/A
Insufficient Funds Fee N/A
Incoming Wires N/A
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.

Customer Reviews for Citizens (29)

  • June 25, 2022 |

    Online Savings Rates

    The easiest to use and best service of the online accounts!

  • May 17, 2022 |

    Online Savings Rates

    Through the years I experimented with the leading online brands to find the best mix of quality, reliability and competitiveness. I thought Purepoint was the best, and Citizens was second, but Purepoint seems to be going out of business so I am moving everything here!

  • February 12, 2022

    Disappointed that initially this bank had a very competitive savings rate....but they are now near the bottom of rates. Not sure why they have decided to change their strategy as far as being an attractive alternative to other savings institutions.

  • January 27, 2022

    Used BestCashCow to find a good local CD rate. The rates provided by CashCow were about twice what the banks actually pay. I checked with the banks! Don't depend on this woefully inaccurate website. Waste of my time.

  • October 28, 2021 |

    The website is easy to use. The savings rates for an online bank are terrible.

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