Citizens Bank CD Rates — October 2026
As of October 22, 2026, Citizens Bank's best CD rate for ZIP 02108 (Boston, MA) is 4.40% APY on a 10-month relationship CD ($25,000 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Rates vary by location — from 4.40% to 4.40% APY across the 2 ZIP codes we checked.
Tracking began .
Rates by location
Citizens Bank prices some CDs by ZIP code. We check one ZIP in each state where it has branches.
| Location | ZIP | Best term | Best APY |
|---|---|---|---|
| Boston, MA | 02108 | 10 months | 4.40% |
| Johnston, RI | 02919 | 10 months | 4.40% |
Citizens Bank CD rates in Boston, MA
Online CD quotes are specific to the ZIP codes checked and require a Citizens Quest or Citizens Private Client checking account. New-money requirements apply; confirm eligibility with Citizens.
| Term | Product | APY |
|---|---|---|
| 5 months | 5-Month CD Relationship | 4.25%Verified October 22, 2026 |
| 10 months | 10-Month CD Relationship | 4.40%Verified October 22, 2026 |
| 14 months | 14-Month CD Relationship | 3.10%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (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
3 of Citizens Bank's CD rates were identical in all 2 ZIP codes we checked, ranging from 3.10% to 4.40% APY.
What are Citizens Bank's best CD rates by term?
Citizens Bank's best rate for ZIP 02108 is 4.40% APY on 10 months, verified October 22, 2026.
- 5 mo4.25%
- 10 mo4.40%
- 14 mo3.10%
How Citizens Bank compares
- Best 1-year rate among the institutions we track: Popular Direct at 4.60% APY.
- Popular Direct: best 5.00% APY on 60 months.
- Barclays: best 4.75% APY on 24 months.
- Sallie Mae Bank: best 4.75% APY on 60 months.
- 1-year Treasury: 4.51% APY-equivalent.
Rate changes
No changes since we started tracking Citizens Bank on October 22, 2026.
About Citizens Bank
- Legal name
- Citizens Bank, National Association
- Regulator ID
- FDIC 57957
- Headquarters
- Providence, RI
- Available in
- CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VA, VT
- Also known as
- Citizens
- Website
- www.citizensbank.com
Source: rates read from https://www.citizensbank.com/savings/cds-certificates-of-deposit/online-certificate-of-deposit.aspx. See the page text we read.
Frequently asked questions
What is the highest CD rate at Citizens Bank?
4.40% APY on a 10-month relationship CD for ZIP 02108, as of October 22, 2026.
What is the minimum deposit for a Citizens Bank CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $25,000.
Do Citizens Bank CD rates depend on where you live?
Yes. Promotional rates differ by ZIP code: across the 2 ZIP codes we checked, the best rate ranged from 4.40% (Johnston, RI) to 4.40% (Boston, MA).
How does Citizens Bank's best CD rate compare with Treasury yields?
4.40% APY is −0.11% versus the 10-month Treasury yield of 4.51% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.40% a good CD rate?
It is 2.5 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 Citizens Bank CDs insured?
Citizens Bank is an FDIC-insured bank (FDIC 57957). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Citizens Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Citizens Bank's website and may change at any time. Confirm terms, minimums and eligibility with Citizens Bank before opening an account. This page is not financial advice.