Citizens Access High-Yield CD

Great rates, guaranteed returns. No fees, no hidden costs. Open online in under 5 minutes

#ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=1 year Online CD|ProductAttribute=interestRates::intAPY# APY*

for a 1-year term

Open Online CD

Supercharge your savings in just 1 year

Lock in a sky-high #ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=1 year Online CD|ProductAttribute=interestRates::intAPY# APY*.

Father and son smiling outdoors

Citizens Access 1 year online CD

  • Earn #ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=1 year Online CD|ProductAttribute=interestRates::intAPY# APY* for the full 1-year term
  • Cash out monthly interest payments or reinvest them to earn even more*
  • No fees or hidden costs
  • $5,000 minimum deposit
Open 1-Year CD

More online certificates of deposit

Save your way, with no fees and terms for any timeline.

Citizens Access Online CD

  • Earn #ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=1 year Online CD|ProductAttribute=interestRates::intAPY# APY for a 1-year term, #ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=5 year Online CD|ProductAttribute=interestRates::intAPY# APY for a 5-year term*
  • Enjoy the same rate for the full term
  • Lock in 1, 2, 3, 4 and 5-year terms
  • Cash out monthly interest payments or reinvest them to earn more*
Open Online CD

Citizens Access CD ladders

  • Earn up to #ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=1 year Online CD|ProductAttribute=interestRates::intAPY# APY*
  • Unlock access to longer-term rates
  • Access part of your cash every year
  • Limit interest rate risk with frequent opportunities to reinvest your cash*
Open CD Ladder

Certificate of Deposit Interest Rates

Product Interest Rate % APY*
Citizens Access 1 Year Online CD #ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=1 year Online CD|ProductAttribute=interestRates::rate# #ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=1 year Online CD|ProductAttribute=interestRates::intAPY#
Citizens Access 2 Year Online CD #ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=2 year Online CD|ProductAttribute=interestRates::rate# #ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=2 year Online CD|ProductAttribute=interestRates::intAPY#
Citizens Access 3 Year Online CD #ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=3 year Online CD|ProductAttribute=interestRates::rate# #ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=3 year Online CD|ProductAttribute=interestRates::intAPY#
Citizens Access 4 Year Online CD #ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=4 year Online CD|ProductAttribute=interestRates::rate# #ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=4 year Online CD|ProductAttribute=interestRates::intAPY#
Citizens Access 5 Year Online CD #ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=5 year Online CD|ProductAttribute=interestRates::rate# #ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=5 year Online CD|ProductAttribute=interestRates::intAPY#

Why save with Citizens Access?

We make it easy to do more with your money, so you’re free to do more of what you love.

Serious savings

Being an online-only bank saves us a bundle. We pass those savings on to you in the form of amazing rates.

No fees, no surprises

Fees and hidden costs don’t help you save, so we don’t do them. No service fees. No account opening fees. No fees. Ever.

FDIC insured

You’re covered. All CD and savings accounts are FDIC insured up to the maximum amount allowable by law.**

Help if you need it

We make saving so easy you probably won’t ever need help. But we’re here 7 days/week. Just in case.

Citizens Access Certificate of Deposit FAQs

Have more questions? Get more answers in our full FAQs section.

* Annual percentage yield (APY) and interest rates are accurate as of #ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=1 year Online CD|ProductAttribute=interestRates::effDt#. $5,000 minimum balance to obtain APY. Penalty for early withdrawal. Your CD will renew into a CD of the same terms at maturity unless changes are made to your account during the 10-calendar-day grace period following maturity. APY assumes interest remains on deposit until maturity date.

** FDIC insurance up to the maximum amount allowed by law. Citizens Access and Citizens Bank, N.A., are treated as the same entity for the purpose of calculating FDIC insurance limits and deposits, under the FDIC certificate #57957.

Citizens Access offers personal high-yield certificate of deposit accounts in the following United States and U.S. Territories: AL, AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, AS, GU, MP, PR, TT, VI.

*** Wireless carrier, text and/or data charges may apply.