Online CD options
Save your way, with no fees and terms for any timeline.
Online CD
- Earn 3.65% APY for an 8-month term, 3.00% APY for a 5-year term*
- Enjoy the same rate for the full term
- Lock in 8-month, & 1, 2, 3, 4 and 5-year terms
- Cash out monthly interest payments or reinvest them to earn more*
Certificate of Deposit Interest Rates
| Product | Interest Rate % | APY |
|---|---|---|
| Citizens Access 8 Month Online CD | 3.59% | 3.65% |
| Citizens Access 1 Year Online CD | 3.54% | 3.60% |
| Citizens Access 2 Year Online CD | 3.44% | 3.50% |
| Citizens Access 3 Year Online CD | 3.20% | 3.25% |
| Citizens Access 4 Year Online CD | 2.71% | 2.75% |
| Citizens Access 5 Year Online CD | 2.71% | 2.75% |
Bank on-the-go with our new Citizens Access mobile app†!
24/7 Access to your accounts, statements, and more. Tap below to download now.
Citizens Access Certificate of Deposit FAQs
Being a digital, online-only bank saves us a bundle. Instead of pocketing those savings for ourselves, we pass them on to you in the form of great rates.
We offer 8-month, 1-year, 2-year, 3-year, 4-year and 5-year Online CDs.
Your CD is a fixed rate account and you will be paid the disclosed interest rate until the original maturity date of your account. Interest is calculated based on your daily balance and is compounded daily and paid monthly.
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.
© Citizens Financial Group, Inc. All rights reserved. Citizens Access® is a division of Citizens Bank, N.A. Member FDIC
* Annual Percentage Yield (APY) and interest rates are accurate as of 07/31/2025. $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.
† Wireless carrier, text and/or data charges may apply.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Google Play is a trademark of Google Inc.
^ 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.