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The Citizens Bank Company website

The Citizens Bank Company

CDs & IRAs

 
 
Term Minimum Deposit Minimum to $9,999
(Interest Rate/APY)
$10,000-$49,999
(Interest Rate/APY)
$50,000-$99,999
(Interest Rate/APY)
$100,000-$250,000
(Interest Rate/APY)
Over $250,000
(Interest Rate/APY)
91 Day CD $1,000 1.06%/1.06% 1.15%/1.16% 1.24%/1.25% 1.33%/1.34% 1.42%/1.43%
182 Day CD $1,000 1.17%/1.18% 1.26%/1.27% 1.35%/1.36% 1.44%/1.45% 1.53%/1.54%
12 Month CD
$1000 1.27%/1.28% 1.36%/1.37% 1.45%/1.46% 1.54%/1.55% 1.63%/1.64%
24 Month CD $1,000 1.42%/1.43% 1.51%/1.52% 1.60%/1.61% 1.69%/1.70% 1.78%/1.79%
36 Month CD $1,000 1.52%/1.53% 1.61%/1.62% 1.70%/1.71% 1.79%/1.80% 1.88%/1.89%
48 Month CD $1,000 1.57%/1.58% 1.66%/1.67% 1.75%/1.76% 1.84%/1.85% 1.93%/1.95%
60 Month CD $1,000 1.67%/1.68% 1.76%/1.77% 1.85%/1.86% 1.94%/1.95% 2.03%/2.05%
48-Month CD Special *- Interest can be compounded quarterly. At the customer's discretion, the interest rate and (APY) may be changed one (1) time over the term of the certificate by using the interest rate that is indexed to the 36-Month $50,000.00 and Over rate.

           Individual Retirement Accounts                            

Term
Interest Rate/APY
                                                                                                                                         
182 Day IRA
1.44%/1.45%
              

12 Month IRA
1.54%/1.55%
   

24 Month IRA 1.69%/1.70%
          

36 Month IRA
1.79%/1.80%



48 Month IRA
1.84%/1.85%



Annual Percentage Yield accurate as of November 6, 2019.

The Annual Percentage Yield (APY) assumes funds will remain on deposit for a full year or until maturity, whichever is greater, at the listed rate. 

Penalties for early withdrawal.

No minimum balance requirements for Individual Retirement Accounts.