Citibank CD Rates — October 2026
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.
Tracking began .
Rates by location
Citibank prices some CDs by ZIP code. We check one ZIP in each state where it has branches.
Citibank CD rates in Chicago, IL
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.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Rates that are the same in every ZIP
21 of Citibank's CD rates were identical in all 3 ZIP codes we checked, ranging from 0.05% to 4.25% APY.
Watch the renewal rate
The best promotional rate here is 4.25% APY (12 months). The standard rate for a similar term is 2.00% APY (13 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $225 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Citibank's best CD rates by term?
Citibank's best rate for ZIP 60603 is 4.25% APY on 12 months, verified October 23, 2026.
- 3 mo0.05%
- 4 mo2.00%
- 5 mo2.50%
- 6 mo2.00%
- 7 mo4.15%
- 8 mo2.00%
- 9 mo2.00%
- 10 mo0.05%
- 11 mo0.05%
- 12 mo4.25%
- 13 mo2.00%
- 14 mo0.10%
- 15 mo2.00%
- 18 mo2.00%
- 24 mo2.00%
- 30 mo1.01%
- 36 mo2.00%
- 48 mo2.00%
- 60 mo2.00%
How much interest could a Citibank CD earn?
Estimated interest at maturity for the displayed ZIP 60603 quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$425.00 interest · $10,425.00 at maturity on $10,000.00.
4.25% APY · 12 months · Fixed Rate CD · Promotional · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $0.620.05% APY · Fixed Rate CD · Standard | $1.250.05% APY · Fixed Rate CD · Standard | $3.120.05% APY · Fixed Rate CD · Standard | $6.230.05% APY · Fixed Rate CD · Standard |
| 4 months | $33.202.00% APY · Fixed Rate CD · Standard | $66.412.00% APY · Fixed Rate CD · Standard | $166.022.00% APY · Fixed Rate CD · Standard | $332.052.00% APY · Fixed Rate CD · Standard |
| 5 months | $51.682.50% APY · Fixed Rate CD · Promotional | $103.362.50% APY · Fixed Rate CD · Promotional | $258.402.50% APY · Fixed Rate CD · Promotional | $516.802.50% APY · Fixed Rate CD · Promotional |
| 6 months | $49.892.00% APY · Fixed Rate CD · Standard | $99.782.00% APY · Fixed Rate CD · Standard | $249.452.00% APY · Fixed Rate CD · Standard | $498.892.00% APY · Fixed Rate CD · Standard |
| 7 months | $115.764.00% APY · Fixed Rate CD · Promotional | $231.524.00% APY · Fixed Rate CD · Promotional | $578.794.00% APY · Fixed Rate CD · Promotional | $1,157.584.00% APY · Fixed Rate CD · Promotional |
| 8 months | $66.352.00% APY · Fixed Rate CD · Standard | $132.712.00% APY · Fixed Rate CD · Standard | $331.772.00% APY · Fixed Rate CD · Standard | $663.552.00% APY · Fixed Rate CD · Standard |
| 9 months | $74.882.00% APY · Fixed Rate CD · Standard | $149.772.00% APY · Fixed Rate CD · Standard | $374.412.00% APY · Fixed Rate CD · Standard | $748.832.00% APY · Fixed Rate CD · Standard |
| 10 months | $2.080.05% APY · Fixed Rate CD · Standard | $4.160.05% APY · Fixed Rate CD · Standard | $10.410.05% APY · Fixed Rate CD · Standard | $20.820.05% APY · Fixed Rate CD · Standard |
| 11 months | $2.290.05% APY · Fixed Rate CD · Standard | $4.590.05% APY · Fixed Rate CD · Standard | $11.470.05% APY · Fixed Rate CD · Standard | $22.940.05% APY · Fixed Rate CD · Standard |
| 12 months | $212.504.25% APY · Fixed Rate CD · Promotional | $425.004.25% APY · Fixed Rate CD · Promotional | $1,062.504.25% APY · Fixed Rate CD · Promotional | $2,125.004.25% APY · Fixed Rate CD · Promotional |
| 13 months | $108.312.00% APY · Fixed Rate CD · Standard | $216.622.00% APY · Fixed Rate CD · Standard | $541.542.00% APY · Fixed Rate CD · Standard | $1,083.082.00% APY · Fixed Rate CD · Standard |
| 14 months | $5.840.10% APY · Fixed Rate CD · Standard | $11.670.10% APY · Fixed Rate CD · Standard | $29.180.10% APY · Fixed Rate CD · Standard | $58.360.10% APY · Fixed Rate CD · Standard |
| 15 months | $125.242.00% APY · Fixed Rate CD · Standard | $250.482.00% APY · Fixed Rate CD · Standard | $626.212.00% APY · Fixed Rate CD · Standard | $1,252.412.00% APY · Fixed Rate CD · Standard |
| 18 months | $150.892.00% APY · Fixed Rate CD · Standard | $301.772.00% APY · Fixed Rate CD · Standard | $754.442.00% APY · Fixed Rate CD · Standard | $1,508.872.00% APY · Fixed Rate CD · Standard |
| 24 months | $202.002.00% APY · Fixed Rate CD · Standard | $404.002.00% APY · Fixed Rate CD · Standard | $1,010.002.00% APY · Fixed Rate CD · Standard | $2,020.002.00% APY · Fixed Rate CD · Standard |
| 30 months | $62.770.50% APY · Fixed Rate CD · Standard | $125.540.50% APY · Fixed Rate CD · Standard | $313.850.50% APY · Fixed Rate CD · Standard | $627.690.50% APY · Fixed Rate CD · Standard |
| 36 months | $306.042.00% APY · Fixed Rate CD · Standard | $612.082.00% APY · Fixed Rate CD · Standard | $1,530.202.00% APY · Fixed Rate CD · Standard | $3,060.402.00% APY · Fixed Rate CD · Standard |
| 48 months | $412.162.00% APY · Fixed Rate CD · Standard | $824.322.00% APY · Fixed Rate CD · Standard | $2,060.802.00% APY · Fixed Rate CD · Standard | $4,121.612.00% APY · Fixed Rate CD · Standard |
| 60 months | $520.402.00% APY · Fixed Rate CD · Standard | $1,040.812.00% APY · Fixed Rate CD · Standard | $2,602.022.00% APY · Fixed Rate CD · Standard | $5,204.042.00% APY · Fixed Rate CD · Standard |
How Citibank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 44 of 454 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Citibank (this institution)Fixed Rate CD · Promotional | 12 months | $500 | Chicago, IL · ZIP 60603 | 4.25% | October 23, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| BarclaysOnline CD · Standard | 12 months | Not stated | Available nationwide | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.46% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations for ZIP 60603.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking Citibank on October 23, 2026.
How strong are Citibank's finances?
Ratios for Citibank, National Association (FDIC 7213) from its FDIC call report for the quarter ended June 30, 2026, next to the median of the banks we track. They describe the institution, not your deposit: CDs are insured by the FDIC up to $250,000 per depositor, per ownership category, whatever these figures are.
| Measure | Citibank | Median, 224 tracked banks | What it means |
|---|---|---|---|
| Tier 1 leverage ratio | 7.87% | 10.18% | Capital as a share of total assets. Above the 5% level regulators call well capitalized. |
| Noncurrent loans | 0.66% | 0.66% | Loans 90 or more days past due or no longer accruing interest, as a share of all loans. |
| Return on assets | 1.06% | 1.15% | Net income for the year so far, annualized, as a share of assets. |
Bank and credit union ratios use different definitions, so compare an institution with its own type. Source: FDIC BankFind. Figures are as reported for the quarter and can change; they are not a rating.
About Citibank
- Legal name
- Citibank, National Association
- Regulator ID
- FDIC 7213
- Headquarters
- Sioux Falls, SD
- Available in
- CA, CT, DC, DE, FL, IL, MD, NJ, NV, NY, PR, SD, TX, VA
- Total assets
- $1,976.2 billion
- Also known as
- Citi, Citi Bank
- Website
- www.citi.com
Source: rates read from https://www.citi.com/banking/current-interest-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Citibank?
Among the rates we track, 4.25% APY on a 12-month promotional CD for ZIP 10001, as of October 23, 2026.
What is the minimum deposit for a Citibank CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.
Do Citibank CD rates depend on where you live?
Rates may depend on location. The best rate was 4.25% APY in all 3 ZIP codes checked.
How does Citibank's best CD rate compare with Treasury yields?
4.25% APY is −0.21% versus the 12-month Treasury yield of 4.46% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.25% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Citibank CDs insured?
Citibank is an FDIC-insured bank (FDIC 7213). Deposits are insured up to $250,000 per depositor, per ownership category.
How well capitalized is Citibank?
Citibank's tier 1 leverage ratio was 7.87% at the end of June 30, 2026, above the 5% level regulators call well capitalized; the median of the banks we track is 10.18%. Insured deposits are covered up to $250,000 regardless.
How often is this page updated?
We check Citibank's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from Citibank's website and may change at any time. Confirm terms, minimums and eligibility with Citibank before opening an account. This page is not financial advice.