# Citibank CD rates

As of October 23, 2026, Citibank's best CD rate for ZIP 10001 (New York, NY) is 4.25% APY on a 12-month promotional CD ($500 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). The best rate was 4.25% APY in all 3 ZIP codes checked. Standard CD rates are 0.05%–2.00% APY in every ZIP we checked.

Canonical page: https://apyledger.com/cd-rates/citibank
Institution: Citibank, National Association (FDIC 7213)
Aliases: Citi, Citi Bank
Status: live
Last verified: 2026-10-23T11:29:21.000Z (October 23, 2026)
Official source: https://www.citi.com/banking/current-interest-rates
Coverage: Fixed Rate CDs as quoted on Citi's public rates page for three sample home ZIP codes (New York, Los Angeles and Chicago). Citi prices by home address, so confirm the rate for your own ZIP code.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Fixed Rate CD | standard | 3 months | $500 | 0.05% | ZIP 10001 (New York, NY) | −4.21% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | standard | 4 months | $500 | 2.00% | ZIP 10001 (New York, NY) | −2.34% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | promotional | 5 months | $500 | 2.50% | ZIP 10001 (New York, NY) | −1.84% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | standard | 6 months | $500 | 2.00% | ZIP 10001 (New York, NY) | −2.34% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | promotional | 7 months | $100,000 | 4.15% | ZIP 10001 (New York, NY) | −0.21% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | promotional | 7 months | $500 | 4.00% | ZIP 10001 (New York, NY) | −0.36% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | standard | 8 months | $500 | 2.00% | ZIP 10001 (New York, NY) | −2.38% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | standard | 9 months | $500 | 2.00% | ZIP 10001 (New York, NY) | −2.40% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | standard | 10 months | $500 | 0.05% | ZIP 10001 (New York, NY) | −4.37% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | standard | 11 months | $500 | 0.05% | ZIP 10001 (New York, NY) | −4.39% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | promotional | 12 months | $500 | 4.25% | ZIP 10001 (New York, NY) | −0.21% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | standard | 13 months | $500 | 2.00% | ZIP 10001 (New York, NY) | −2.48% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | standard | 14 months | $500 | 0.10% | ZIP 10001 (New York, NY) | −4.40% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | standard | 15 months | $500 | 2.00% | ZIP 10001 (New York, NY) | −2.52% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | standard | 18 months | $500 | 2.00% | ZIP 10001 (New York, NY) | −2.58% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | standard | 24 months | $500 | 2.00% | ZIP 10001 (New York, NY) | −2.70% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | standard | 30 months | $100,000 | 1.01% | ZIP 10001 (New York, NY) | −3.73% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | standard | 30 months | $500 | 0.50% | ZIP 10001 (New York, NY) | −4.24% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | standard | 36 months | $500 | 2.00% | ZIP 10001 (New York, NY) | −2.78% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | standard | 48 months | $500 | 2.00% | ZIP 10001 (New York, NY) | −2.81% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | standard | 60 months | $500 | 2.00% | ZIP 10001 (New York, NY) | −2.84% | 2026-10-23T11:29:20.000Z | [Snapshot 985](https://apyledger.com/snapshots/985) |
| Fixed Rate CD | standard | 3 months | $500 | 0.05% | ZIP 60603 (Chicago, IL) | −4.21% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | standard | 4 months | $500 | 2.00% | ZIP 60603 (Chicago, IL) | −2.34% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | promotional | 5 months | $500 | 2.50% | ZIP 60603 (Chicago, IL) | −1.84% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | standard | 6 months | $500 | 2.00% | ZIP 60603 (Chicago, IL) | −2.34% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | promotional | 7 months | $100,000 | 4.15% | ZIP 60603 (Chicago, IL) | −0.21% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | promotional | 7 months | $500 | 4.00% | ZIP 60603 (Chicago, IL) | −0.36% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | standard | 8 months | $500 | 2.00% | ZIP 60603 (Chicago, IL) | −2.38% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | standard | 9 months | $500 | 2.00% | ZIP 60603 (Chicago, IL) | −2.40% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | standard | 10 months | $500 | 0.05% | ZIP 60603 (Chicago, IL) | −4.37% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | standard | 11 months | $500 | 0.05% | ZIP 60603 (Chicago, IL) | −4.39% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | promotional | 12 months | $500 | 4.25% | ZIP 60603 (Chicago, IL) | −0.21% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | standard | 13 months | $500 | 2.00% | ZIP 60603 (Chicago, IL) | −2.48% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | standard | 14 months | $500 | 0.10% | ZIP 60603 (Chicago, IL) | −4.40% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | standard | 15 months | $500 | 2.00% | ZIP 60603 (Chicago, IL) | −2.52% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | standard | 18 months | $500 | 2.00% | ZIP 60603 (Chicago, IL) | −2.58% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | standard | 24 months | $500 | 2.00% | ZIP 60603 (Chicago, IL) | −2.70% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | standard | 30 months | $100,000 | 1.01% | ZIP 60603 (Chicago, IL) | −3.73% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | standard | 30 months | $500 | 0.50% | ZIP 60603 (Chicago, IL) | −4.24% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | standard | 36 months | $500 | 2.00% | ZIP 60603 (Chicago, IL) | −2.78% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | standard | 48 months | $500 | 2.00% | ZIP 60603 (Chicago, IL) | −2.81% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | standard | 60 months | $500 | 2.00% | ZIP 60603 (Chicago, IL) | −2.84% | 2026-10-23T11:29:21.000Z | [Snapshot 986](https://apyledger.com/snapshots/986) |
| Fixed Rate CD | standard | 3 months | $500 | 0.05% | ZIP 90012 (Los Angeles, CA) | −4.21% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | standard | 4 months | $500 | 2.00% | ZIP 90012 (Los Angeles, CA) | −2.34% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | promotional | 5 months | $500 | 2.50% | ZIP 90012 (Los Angeles, CA) | −1.84% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | standard | 6 months | $500 | 2.00% | ZIP 90012 (Los Angeles, CA) | −2.34% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | promotional | 7 months | $100,000 | 4.15% | ZIP 90012 (Los Angeles, CA) | −0.21% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | promotional | 7 months | $500 | 4.00% | ZIP 90012 (Los Angeles, CA) | −0.36% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | standard | 8 months | $500 | 2.00% | ZIP 90012 (Los Angeles, CA) | −2.38% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | standard | 9 months | $500 | 2.00% | ZIP 90012 (Los Angeles, CA) | −2.40% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | standard | 10 months | $500 | 0.05% | ZIP 90012 (Los Angeles, CA) | −4.37% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | standard | 11 months | $500 | 0.05% | ZIP 90012 (Los Angeles, CA) | −4.39% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | promotional | 12 months | $500 | 4.25% | ZIP 90012 (Los Angeles, CA) | −0.21% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | standard | 13 months | $500 | 2.00% | ZIP 90012 (Los Angeles, CA) | −2.48% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | standard | 14 months | $500 | 0.10% | ZIP 90012 (Los Angeles, CA) | −4.40% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | standard | 15 months | $500 | 2.00% | ZIP 90012 (Los Angeles, CA) | −2.52% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | standard | 18 months | $500 | 2.00% | ZIP 90012 (Los Angeles, CA) | −2.58% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | standard | 24 months | $500 | 2.00% | ZIP 90012 (Los Angeles, CA) | −2.70% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | standard | 30 months | $100,000 | 1.01% | ZIP 90012 (Los Angeles, CA) | −3.73% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | standard | 30 months | $500 | 0.50% | ZIP 90012 (Los Angeles, CA) | −4.24% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | standard | 36 months | $500 | 2.00% | ZIP 90012 (Los Angeles, CA) | −2.78% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | standard | 48 months | $500 | 2.00% | ZIP 90012 (Los Angeles, CA) | −2.81% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |
| Fixed Rate CD | standard | 60 months | $500 | 2.00% | ZIP 90012 (Los Angeles, CA) | −2.84% | 2026-10-23T11:29:21.000Z | [Snapshot 987](https://apyledger.com/snapshots/987) |

Financial ratios (FDIC call report, quarter ended 2026-06-30; median of tracked banks in parentheses): Tier 1 leverage ratio 7.87% (10.18%); Noncurrent loans 0.66% (0.66%); Return on assets 1.06% (1.15%). These describe the institution; insured deposits are covered up to $250,000 regardless.

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.