Citizens Access Online CDs

Citizens Access CDs APY

	$5k & Above
12 months	5.00% APY
24 months	3.30% APY
36 months	3.35% APY
48 months	3.40% APY
60 months	3.45% APY

Receive 3.45% APY for 60 months Citizens Access Online CD account

Receive 3.40% APY for 48 months Online CD account

Receive 3.35% APY for 36 months Online CD account

Receive 3.30% APY for 24 months Online CD account

Receive 5.00% APY for 12 months Online CD account

Minimum deposit of US$5,000

Interest is compounded daily and paid monthly

Flexible interest payment options where interest can be credited to principal or transferred to linked account

Your CD will automatically renew on its maturity date at the available rate for the same term unless Citizens Access have previously received instructions from you or new instructions are received within the 10 day grace period. You can define a maturity plan that meets your needs which may include adding or removing funds, adjusting your term or redeeming your CD. Contact Citizens Access at to establish a maturity plan

A penalty of 90 / 180 days simple interest will be imposed for 12 months or less / more than 12 months CDs if you close your CD before maturity

Click here to go to Citizens Access website for more details

About Citizens Access

Citizens Access is the online division under Citizens Bank, the largest bank in the state of Rhode Island and one of the largest nationally. Citizens Access itself does not have any physical branches. Online banking is available via website for all customers.

Citizens Access can be contacted via secure messaging on their website or app. Customers can also contact them via phone on 1-888-201-6505 from Mondays to Fridays 8am - 10pm ET, Saturdays 9am - 3pm ET and Sundays 10am - 3pm ET

Citizens Bank (and all divisions under it including Citizens Access) is a member of FDIC which covers the aggregated deposits of a depositor to up to US$250,000