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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 .85%/ .85% .93% / .93% 1.00% / 1.00% 1.09% / 1.09% 1.20% / 1.21%
182 Day CD $1,000 1.37% / 1.38% 1.45% / 1.46% 1.52% / 1.53% 1.61% / 1.62% 1.72% / 1.73%
9 Month CD $5,000 4.95% / 5.04% 4.95% / 5.04% 4.95% / 5.04% 4.95% / 5.04% 4.95% / 5.04%
12 Month CD
$1000 1.75% / 1.76% 1.83% / 1.84% 1.90% / 1.91% 1.99% / 2.00% 2.10% / 2.12%
18 Month CD $5,000 4.59% /4.67% 4.59% / 4.67% 4.59% /4.67% 4.59% / 4.67% 4.59% / 4.67%
24 Month CD $1,000 1.45% / 1.46% 1.53% / 1.54% 1.60% / 1.61% 1.69% / 1.70% 1.80% / 1.81%
36 Month CD $1,000 1.36% / 1.37% 1.44% / 1.45% 1.51% / 1.52% 1.60% / 1.61% 1.71% / 1.72%
48 Month CD* $1,000 1.30% / 1.31% 1.38% / 1.39% 1.45% / 1.46% 1.54% / 1.55% 1.65% / 1.66%
60 Month CD $1,000 1.37% / 1.38% 1.45% / 1.46% 1.52% / 1.53% 1.61% / 1.62% 1.72% / 1.73%
*48-Month C/D 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.
 
Additional Certificate of Deposit Information- The Annual Percentage Yield (APY) assumes funds will remain on deposit for a full year at the listed rate of maturity, whichever is greater.
 

           Individual Retirement Accounts                            

Term
Interest Rate/APY
                                                                                                                                         
182 Day IRA
1.61% / 1.62%
              

12 Month IRA
1.99% / 2.00%
   

24 Month IRA 1.69% / 1.70%
          

36 Month IRA
1.60% / 1.61%



48 Month IRA
1.54% / 1.55%



Minimum Opening deposit for 18 month Certificate of Deposit accounts is $5,000.00. For all other Certificates of Deposit, the minimum opening balance is $1,000.00.
 
91-Day C/D's thru 36-Month C/D's- Interest can be compounded quarterly. 
 
Annual Percentage Yield accurate as of June 11, 2024.
 

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

Penalties for early withdrawal may be applicable.