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Comparison of Deposit Account from Citizens Bank and Trust Company with 0.49% - September 2026


Long-Term Analysis of Citizens Bank and Trust Company with 0.49% APY and Citizens Bank and Trust Company with 0.67% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    Citizens Bank and Trust Company
    0.49%
    -
    $50,000
    18 Month
    Bank
    0.85x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    0.49%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 245 172
    2 50,245 246 172
    3 50,491 247 173
    4 50,739 249 174
    5 50,987 250 175
    6 51,237 251 176
    7 51,488 252 177
    8 51,740 254 177
    9 51,994 255 178
    10 52,249 256 179
    11 52,505 257 180
    12 52,762 259 181
    13 53,021 260 182
    14 53,280 261 183
    15 53,541 262 184
    16 53,804 264 185
    17 54,067 265 185
    18 54,332 266 186
    19 54,599 268 187
    20 54,866 269 188
    TOTAL $5,135 $3,594
  • 2
    LOCAL CD
    Citizens Bank and Trust Company
    0.67%
    -
    $50,000
    48 Month
    Bank
    0.82x (National Avg. - 0.82%)
    $10,000
     
    SCENARIO
    Year Rate
    0.67%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 335 235
    2 50,335 337 236
    3 50,672 340 238
    4 51,012 342 239
    5 51,354 344 241
    6 51,698 346 242
    7 52,044 349 244
    8 52,393 351 246
    9 52,744 353 247
    10 53,097 356 249
    11 53,453 358 251
    12 53,811 361 252
    13 54,171 363 254
    14 54,534 365 256
    15 54,900 368 257
    16 55,268 370 259
    17 55,638 373 261
    18 56,011 375 263
    19 56,386 378 264
    20 56,764 380 266
    TOTAL $7,144 $5,001

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑0.65% on August 6.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑1.20% on August 6.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑1.20% on August 6.
    Early Withdrawal Penalty is 730 days interest.

    Last change: ↑0.40% on April 27.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↑0.38% on April 27.
    Early Withdrawal Penalty is 90 days interest.

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    Last Update on September 14, 2026

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