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Online CD (Certificate of Deposit)

Lock in a fixed rate with an online-only certificate of deposit.

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The below rates are for Rhode Island. Please update your ZIP code to see pricing, rates and promotions in your area.

8-Month CD

Minimum balance to open: $25,000, new money required

Annual percentage yield (APY)¹: #ProductLine=ODS|Brand=citizensbank|Product=CD|ProductName=8 month CD|Code=RCD-308-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=CurrentAPY#%
Available with a Citizens Quest® or Citizens Private Client™ Checking account
Early withdrawal penalties may apply

Open 8-Month CD

14-Month CD

Minimum balance to open: $1,000

Annual percentage yield (APY)²: #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=dropdown|Key=14-Month CD APY#
Available with a Citizens Quest® or Citizens Private Client™ Checking account
Early withdrawal penalties may apply

Open 14-Month CD

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Common Questions

CDs are similar to savings accounts, but they are set to a fixed term (usually ranging from one month to ten years) and a fixed interest rate. It is expected that a CD be held to the end of the term, at which time the money may be withdrawn with the accrued interest. Early withdrawals of the principal balance may result in a fee, so ensure you will not need access to these funds for the term of the account before opening your CD.

Have More Questions? Get more answers in our Full FAQs section.

¹ APY is accurate as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate# and subject to change (#Json=Label_Lookup|Brand=citizens|TargetElementType=span|TargetElementId=|Key=Region Label#). You must have or upgrade to a Citizens Quest® Checking account or Citizens Private Client™ Checking account. Must open with funds not currently on deposit with Citizens. Any funds transferred from Citizens Access should not be considered “New Money” for this offer. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal. This CD will renew automatically upon maturity.

² APY is accurate as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate# and subject to change (#Json=Label_Lookup|Brand=citizens|TargetElementType=span|TargetElementId=|Key=Region Label#). You must have or upgrade to a Citizens Quest® Checking account or Citizens Private Client™ Checking account . Rates apply to new accounts and may not apply to existing accounts. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal. This CD will renew automatically upon maturity.

Call us or visit a branch to apply or learn more about other available terms, competitive promotional CD and Money Market products with high yields or to roll over an existing Citizens CD

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