Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content

Citi CD Rates for March 2024

Updated
Kailey Hagen
Ashley Maready
By: Kailey Hagen and Ashley Maready

Our Banking Experts

Eric McWhinnie
Check IconFact Checked Eric McWhinnie
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page. APY = Annual Percentage Yield

Citi CD rates are surprisingly competitive for a brick-and-mortar bank, for a few available term lengths. With the bank's variety of terms, low deposit requirements, and above-average APYs, Citi CDs are a good fit for savings balances of any size. Read our review to learn more about Citi CD rates and how they compare to the CDs you find offered by other top banks.

Citi CD rates for March 2024

Citi CD
  • 7 APY: 5.01%
  • 9 APY: 3.75%
  • 12 APY: 2.75% to 3.75%
  • 15 APY: 4.00%
  • 18 APY: 2.00%
  • 24 APY: 2.00%
  • 36 APY: 2.00%
  • 48 APY: 2.00%
  • 60 APY: 2.00%
Rates as of Feb. 29, 2024

APY = Annual Percentage Yield

Term
Citi CD
7 Mo.
9 Mo.
1 Yr.
15 Mo.
1.5 Yr.
2 Yr.
3 Yr.
4 Yr.
5 Yr.
5.01%
3.75%
2.75% to 3.75%
4.00%
2.00%
2.00%
2.00%
2.00%
2.00%

Compare Citi CD rates

Citi's CD interest rates on some terms are higher than other large brick-and-mortar banks, though some online banks have it beat. See how it stacks up to some of its competitors in the table below.

Rates as of
Bank & CD Offer APY Term Min. Deposit Next Steps
APY: 4.80% Term: 1 Year Min. Deposit:  $2,500
APY: 4.71% Term: 1 Year Min. Deposit:  $1
APY: 4.97% Term: 9 Months Min. Deposit:  $1
Member FDIC.
APY: 4.75% Term: 1 Year Min. Deposit:  $500
Huntington Bank Standard CD
Member FDIC.
APY: 0.05% Term: 1 Months Min. Deposit:  $1,000
Freedom Bank High-Yield CDs from Raisin
Member FDIC.
APY: 5.06% Term: 1 Months Min. Deposit:  $500
APY: 3.00% Term: 1 Months Min. Deposit: 
APY: 3.00% Term: 2 Months Min. Deposit: 
APY: 2.00% Term: 3 Months Min. Deposit:  $2,500
APY: Up to 4.51% Term: 3 Months Min. Deposit:  $2,500
Freedom Bank High-Yield CDs from Raisin
Member FDIC.
APY: 5.10% Term: 3 Months Min. Deposit:  $500
Huntington Bank Standard CD
Member FDIC.
APY: 0.05% Term: 3 Months Min. Deposit:  $1,000
APY: 3.50% Term: 3 Months Min. Deposit: 
APY: 5.41% Term: 3 Months Min. Deposit:  $1
APY: 3.00% Term: 3 Months Min. Deposit:  $0
APY: 3.00% Term: 3 Months Min. Deposit:  $500
First National Bank Standard CD
Member FDIC.
APY: 1.00% Term: 3 Months Min. Deposit:  $500
APY: 4.90% Term: 5 Months Min. Deposit: 
Generations Bank CD
Member FDIC.
APY: 5.00% Term: 6 Months Min. Deposit:  $1,000
First Tech CD
APY: up to 4.91% Term: 6 Months Min. Deposit:  $500
Generations Bank High-Yield CD from Raisin
Member FDIC.
APY: 5.21% Term: 6 Months Min. Deposit:  $1
First Internet Bank of Indiana CD
Member FDIC.
APY: 5.22% Term: 6 Months Min. Deposit:  $1,000
APY: 5.10% Term: 6 Months Min. Deposit:  $2,500
APY: 4.95% Term: 6 Months Min. Deposit:  $500
APY: Up to 2.51% Term: 6 Months Min. Deposit:  $2,500
Member FDIC.
APY: 5.00% Term: 6 Months Min. Deposit:  $500
Valley Bank
Member FDIC.
APY: 4.75% Term: 6 Months Min. Deposit: 
Republic Bank of Chicago CD
Member FDIC.
APY: 0.50% Term: 6 Months Min. Deposit:  $1,000
NASA Federal Credit Union Share Certificate
Federally insured by NCUA.
APY: 4.50% Term: 6 Months Min. Deposit:  $1,000
APY: 4.80% Term: 6 Months Min. Deposit:  $0
Member FDIC.
APY: 0.05% Term: 6 Months Min. Deposit:  $1,000
Freedom Bank High-Yield CDs from Raisin
Member FDIC.
APY: 5.10% Term: 6 Months Min. Deposit:  $500
Member FDIC.
APY: 4.76% Term: 6 Months Min. Deposit:  $1,000
Member FDIC.
APY: 5.45% Term: 6 Months Min. Deposit:  $1,000
Member FDIC.
APY: 5.00% Term: 6 Months Min. Deposit:  $2,500
First National Bank Standard CD
Member FDIC.
APY: 1.00% Term: 6 Months Min. Deposit:  $500
APY: 4.00% Term: 6 Months Min. Deposit: 
APY: 3.80% Term: 6 Months Min. Deposit: 
Salem Five Bank CD
Member FDIC.
APY: 5.00% Term: 6 Months Min. Deposit:  $10,000
All America Bank CD
Member FDIC.
APY: 4.75% Term: 6 Months Min. Deposit: 
Member FDIC.
APY: 5.52% Term: 6 Months Min. Deposit: 
APY: 5.23% Term: 6 Months Min. Deposit:  $1
Member FDIC.
APY: 1.00% - 5.00% Term: 6 Months Min. Deposit:  $250.00
Vanguard Brokered CD
Member FDIC.
APY: 5.15% Term: 6 Months Min. Deposit:  $1,000
APY: 3.00% Term: 6 Months Min. Deposit:  $500
Member FDIC.
APY: 5.00% Term: 6 Months Min. Deposit:  $1,000
APY: 4.40% Term: 6 Months Min. Deposit:  $0
Fidelity CD
Member FDIC.
APY: 5.45% Term: 6 Months Min. Deposit:  $1,000
Arvest Bank CD
Member FDIC.
APY: Up to 4.60% Term: 6 Months Min. Deposit:  $1,000
Member FDIC.
APY: 5.05% Term: 6 Months Min. Deposit:  $500
Bask Bank CD
Member FDIC.
APY: 5.10% Term: 6 Months Min. Deposit:  $1,000
APY: 4.35% Term: 6 Months Min. Deposit:  $0
Huntington Bank Standard CD
Member FDIC.
APY: 0.10% Term: 6 Months Min. Deposit:  $1,000
APY: 4.00% Term: 6 Months Min. Deposit:  $1,000
APY: 5.05% Term: 6 Months Min. Deposit:  $500
APY: 4.25% Term: 6 Months Min. Deposit:  $2,500
First National Bank Special CD
Member FDIC.
APY: 5.20% Term: 7 Months Min. Deposit:  Up to $10,000
APY: 4.75% Term: 7 Months Min. Deposit:  $500
APY: Up to 5.01% Term: 7 Months Min. Deposit:  $2,500
Huntington Bank Promotional CD
Member FDIC.
APY: 5.13% Term: 7 Months Min. Deposit:  $1,000
Member FDIC.
APY: 5.01% Term: 7 Months Min. Deposit:  $500
Arvest Bank CD
Member FDIC.
APY: Up to 5.05% Term: 7 Months Min. Deposit:  $1,000
APY: 5.00% Term: 7 Months Min. Deposit: 
Salem Five Bank CD
Member FDIC.
APY: 5.00% Term: 9 Months Min. Deposit:  $10,000
APY: 5.10% Term: 9 Months Min. Deposit:  $500
APY: 5.15% Term: 9 Months Min. Deposit:  $0
APY: 4.45% Term: 9 Months Min. Deposit:  $0
APY: 5.15% Term: 9 Months Min. Deposit:  $2,500
Huntington Bank Standard CD
Member FDIC.
APY: 0.10% Term: 9 Months Min. Deposit:  $1,000
NASA Federal Credit Union High-Yield Certificate
Federally insured by NCUA.
APY: 5.55% Term: 9 Months Min. Deposit:  $10,000
Member FDIC.
APY: 3.75% Term: 9 Months Min. Deposit:  $500
Member FDIC.
APY: 5.30% Term: 9 Months Min. Deposit:  $500
Freedom Bank No Penalty CDs from Raisin
Member FDIC.
APY: 5.10% Term: 9 Months Min. Deposit:  $1
APY: 4.25% Term: 9 Months Min. Deposit:  $2,500
Generations Bank High-Yield CD from Raisin
Member FDIC.
APY: 5.31% Term: 10 Months Min. Deposit:  $1
APY: 4.50% Term: 11 Months Min. Deposit:  $0
Huntington Bank Promotional CD
Member FDIC.
APY: 4.86% Term: 11 Months Min. Deposit:  $1,000
Member FDIC.
APY: 4.90% Term: 11 Months Min. Deposit:  $1,000
Arvest Bank CD
Member FDIC.
APY: Up to 5.10% Term: 1 Year Min. Deposit:  $1,000
Huntington Bank Standard CD
Member FDIC.
APY: 0.10% Term: 1 Year Min. Deposit:  $1,000
Member FDIC.
APY: 4.76% Term: 1 Year Min. Deposit:  $1,000
First Internet Bank of Indiana CD
Member FDIC.
APY: 5.35% Term: 1 Year Min. Deposit:  $1,000
NASA Federal Credit Union Share Certificate
Federally insured by NCUA.
APY: 4.60% Term: 1 Year Min. Deposit:  $1,000
First National Bank Standard CD
Member FDIC.
APY: 1.00% Term: 1 Year Min. Deposit:  $500
Flushing Bank CD
Member FDIC.
APY: 5.00% Term: 1 Year Min. Deposit:  $1,000
APY: 5.25% Term: 1 Year Min. Deposit:  $2,500
Member FDIC.
APY: 1.00% - 4.75% Term: 1 Year Min. Deposit:  $250.00
APY: 4.65% Term: 1 Year Min. Deposit:  $0
APY: 1.50% Term: 1 Year Min. Deposit:  $500
Member FDIC.
APY: 5.30% Term: 1 Year Min. Deposit:  $500
Valley Bank
Member FDIC.
APY: 4.50% Term: 1 Year Min. Deposit: 
Fidelity CD
Member FDIC.
APY: 5.45% Term: 1 Year Min. Deposit:  $1,000
Bask Bank CD
Member FDIC.
APY: 5.00% Term: 1 Year Min. Deposit:  $1,000
Republic Bank of Chicago CD
Member FDIC.
APY: 0.75% Term: 1 Year Min. Deposit:  $1,000
APY: 5.00% Term: 1 Year Min. Deposit:  $0
Salem Five Bank CD
Member FDIC.
APY: 5.55% Term: 1 Year Min. Deposit:  $10,000
APY: 4.25% Term: 1 Year Min. Deposit: 
First Tech CD
APY: up to 4.55% Term: 1 Year Min. Deposit:  $500
Generations Bank CD
Member FDIC.
APY: 5.20% Term: 1 Year Min. Deposit:  $1,000
Vanguard Brokered CD
Member FDIC.
APY: 5.30% Term: 1 Year Min. Deposit:  $1,000
Member FDIC.
APY: 5.00% Term: 1 Year Min. Deposit:  $2,500
All America Bank CD
Member FDIC.
APY: 4.75% Term: 1 Year Min. Deposit: 
Member FDIC.
APY: 5.50% Term: 1 Year Min. Deposit: 
Member FDIC.
APY: 5.35% Term: 1 Year Min. Deposit:  $1,500
APY: 4.90% Term: 1 Year Min. Deposit:  $0
APY: 4.95% Term: 1 Year Min. Deposit:  $500
Member FDIC.
APY: 5.35% Term: 1 Year Min. Deposit:  $1,000
APY: 4.75% Term: 1 Year Min. Deposit:  $1,000
Freedom Bank No Penalty CDs from Raisin
Member FDIC.
APY: 5.15% Term: 1 Year Min. Deposit:  $1
Connexus Credit Union Share CD
APY: Up to 4.81 Term: 1 Year Min. Deposit:  $5,000
APY: 3.75% Term: 1 Year Min. Deposit:  $0
APY: 5.00% Term: 1 Year Min. Deposit:  $5,000
Member FDIC.
APY: 2.75% to 3.75% Term: 1 Year Min. Deposit:  $500
APY: 5.15% Term: 1 Year Min. Deposit:  $500
Member FDIC.
APY: 0.05% Term: 1 Year Min. Deposit:  $1,000
APY: 5.25% Term: 13 Months Min. Deposit: 
Republic Bank of Chicago CD
Member FDIC.
APY: 4.33% Term: 13 Months Min. Deposit:  $1,000
APY: 5.15% Term: 13 Months Min. Deposit: 
Member FDIC.
APY: 5.25% Term: 13 Months Min. Deposit:  $1,000
SchoolsFirst Federal Credit Union CD
Federally insured by NCUA.
APY: 5.00% Term: 13 Months Min. Deposit:  $500
Member FDIC.
APY: 4.65% Term: 13 Months Min. Deposit:  $1,000
First National Bank Special CD
Member FDIC.
APY: 5.00% Term: 13 Months Min. Deposit:  Up to $10,000
Flushing Bank CD
Member FDIC.
APY: 4.60% Term: 15 Months Min. Deposit:  $1,000
Member FDIC.
APY: 4.00% Term: 15 Months Min. Deposit:  $500
NASA Federal Credit Union High-Yield Certificate
Federally insured by NCUA.
APY: 5.30% Term: 15 Months Min. Deposit:  $10,000
Federally insured by NCUA.
APY: 5.10% Term: 16 Months Min. Deposit:  $500
APY: 4.50% Term: 1.5 Year Min. Deposit:  $0
APY: 4.70% Term: 1.5 Year Min. Deposit:  $0
Huntington Bank Standard CD
Member FDIC.
APY: 0.10% Term: 1.5 Year Min. Deposit:  $1,000
Salem Five Bank CD
Member FDIC.
APY: 4.50% Term: 1.5 Year Min. Deposit:  $10,000
Member FDIC.
APY: 4.60% Term: 1.5 Year Min. Deposit:  $1,000
Member FDIC.
APY: 5.00% Term: 1.5 Year Min. Deposit:  $2,500
Bask Bank CD
Member FDIC.
APY: 4.50% Term: 1.5 Year Min. Deposit:  $1,000
Fidelity CD
Member FDIC.
APY: 5.50% Term: 1.5 Year Min. Deposit:  $1,000
APY: 4.75% Term: 1.5 Year Min. Deposit:  $500
First National Bank Standard CD
Member FDIC.
APY: 1.00% Term: 1.5 Year Min. Deposit:  $500
Member FDIC.
APY: 0.05% Term: 1.5 Year Min. Deposit:  $1,000
Member FDIC.
APY: 0.05% Term: 1.5 Year Min. Deposit:  $250.00
Member FDIC.
APY: 5.15% Term: 1.5 Year Min. Deposit:  $1,000
APY: 4.80% Term: 1.5 Year Min. Deposit:  $500
Member FDIC.
APY: 5.55% Term: 1.5 Year Min. Deposit:  $1,000
Vanguard Brokered CD
Member FDIC.
APY: 5.20% Term: 1.5 Year Min. Deposit:  $1,000
First Internet Bank of Indiana CD
Member FDIC.
APY: 5.07% Term: 1.5 Year Min. Deposit:  $1,000
Member FDIC.
APY: 2.00% Term: 1.5 Year Min. Deposit:  $500
APY: 4.50% Term: 1.5 Year Min. Deposit:  $2,500
APY: 4.90% Term: 1.5 Year Min. Deposit:  $2,500
APY: 4.60% Term: 1.5 Year Min. Deposit:  $1,000
Member FDIC.
APY: 2.85% Term: 1.5 Year Min. Deposit:  $500
Member FDIC.
APY: 4.60% Term: 1.5 Year Min. Deposit:  $1,000
Member FDIC.
APY: 5.55% Term: 1.5 Year Min. Deposit: 
APY: 1.00% Term: 1.5 Year Min. Deposit:  $0
APY: 4.45% Term: 1.5 Year Min. Deposit:  $0
APY: 1.50% Term: 1.5 Year Min. Deposit:  $500
APY: 4.50% Term: 1.5 Year Min. Deposit:  $0
Republic Bank of Chicago CD
Member FDIC.
APY: 1.00% Term: 1.5 Year Min. Deposit:  $1,000
APY: 4.27% Term: 1.5 Year Min. Deposit: 
First National Bank Special CD
Member FDIC.
APY: 3.50% Term: 19 Months Min. Deposit:  Up to $10,000
APY: 4.50% Term: 2 Year Min. Deposit:  $500
First Internet Bank of Indiana CD
Member FDIC.
APY: 4.85% Term: 2 Year Min. Deposit:  $1,000
Member FDIC.
APY: 4.25% Term: 2 Year Min. Deposit:  $1,000
APY: 4.40% Term: 2 Year Min. Deposit:  $500
Salem Five Bank CD
Member FDIC.
APY: 3.25% Term: 2 Year Min. Deposit:  $10,000
Member FDIC.
APY: 4.65% Term: 2 Year Min. Deposit:  $1,500
APY: 4.00% Term: 2 Year Min. Deposit:  $2,500
Valley Bank
Member FDIC.
APY: 4.00% Term: 2 Year Min. Deposit: 
APY: 4.20% Term: 2 Year Min. Deposit:  $0
APY: 3.30% Term: 2 Year Min. Deposit:  $5,000
Bask Bank CD
Member FDIC.
APY: 4.50% Term: 2 Year Min. Deposit:  $1,000
APY: 4.40% Term: 2 Year Min. Deposit:  $1,000
Arvest Bank CD
Member FDIC.
APY: Up to 4.63% Term: 2 Year Min. Deposit:  $1,000
APY: 4.50% Term: 2 Year Min. Deposit:  $2,500
Member FDIC.
APY: 4.50% Term: 2 Year Min. Deposit:  $500
APY: 4.00% Term: 2 Year Min. Deposit:  $0
Member FDIC.
APY: 0.05% Term: 2 Year Min. Deposit:  $250.00
Fidelity CD
Member FDIC.
APY: 5.40% Term: 2 Year Min. Deposit:  $1,000
Republic Bank of Chicago CD
Member FDIC.
APY: 1.25% Term: 2 Year Min. Deposit:  $1,000
First Tech CD
APY: up to 2.25% Term: 2 Year Min. Deposit:  $500
Member FDIC.
APY: 5.40% Term: 2 Year Min. Deposit: 
APY: 1.50% Term: 2 Year Min. Deposit:  $500
Member FDIC.
APY: 0.05% Term: 2 Year Min. Deposit:  $1,000
Member FDIC.
APY: 5.40% Term: 2 Year Min. Deposit:  $1,000
All America Bank CD
Member FDIC.
APY: 4.25% Term: 2 Year Min. Deposit: 
Generations Bank CD
Member FDIC.
APY: 4.24% Term: 2 Year Min. Deposit:  $1,000
Member FDIC.
APY: 4.50% Term: 2 Year Min. Deposit:  $2,500
Connexus Credit Union Share CD
APY: Up to 4.56% Term: 2 Year Min. Deposit:  $5,000
APY: 4.00% Term: 2 Year Min. Deposit:  $0
APY: 4.30% Term: 2 Year Min. Deposit: 
First National Bank Standard CD
Member FDIC.
APY: 1.00% Term: 2 Year Min. Deposit:  $500
NASA Federal Credit Union Share Certificate
Federally insured by NCUA.
APY: 4.45% Term: 2 Year Min. Deposit:  $1,000
Huntington Bank Standard CD
Member FDIC.
APY: 0.10% Term: 2 Year Min. Deposit:  $1,000
Member FDIC.
APY: 2.00% Term: 2 Year Min. Deposit:  $500
Vanguard Brokered CD
Member FDIC.
APY: 5.10% Term: 2 Year Min. Deposit:  $1,000
First National Bank Special CD
Member FDIC.
APY: 3.50% Term: 25 Months Min. Deposit:  Up to $10,000
Member FDIC.
APY: 5.00% Term: 25 Months Min. Deposit:  $1,000
APY: 1.50% Term: 30 Months Min. Deposit:  $500
APY: 3.75% Term: 30 Months Min. Deposit:  $2,500
First National Bank Special CD
Member FDIC.
APY: 3.00% Term: 35 Months Min. Deposit:  Up to $10,000
Member FDIC.
APY: 4.75% Term: 35 Months Min. Deposit:  $1,000
APY: 3.35% Term: 3 Year Min. Deposit:  $5,000
APY: 4.00% Term: 3 Year Min. Deposit:  $2,500
Member FDIC.
APY: 4.40% Term: 3 Year Min. Deposit:  $500
APY: 3.50% Term: 3 Year Min. Deposit:  $0
Vanguard Brokered CD
Member FDIC.
APY: 5.00% Term: 3 Year Min. Deposit:  $1,000
Member FDIC.
APY: 0.10% Term: 3 Year Min. Deposit:  $1,000
Member FDIC.
APY: 5.15% Term: 3 Year Min. Deposit:  $1,000
Huntington Bank Standard CD
Member FDIC.
APY: 0.10% Term: 3 Year Min. Deposit:  $1,000
APY: 1.50% Term: 3 Year Min. Deposit:  $500
First National Bank Standard CD
Member FDIC.
APY: 1.00% Term: 3 Year Min. Deposit:  $500
First Internet Bank of Indiana CD
Member FDIC.
APY: 4.75% Term: 3 Year Min. Deposit:  $1,000
APY: 1.15% Term: 3 Year Min. Deposit:  $0
Member FDIC.
APY: 5.15% Term: 3 Year Min. Deposit: 
Member FDIC.
APY: 4.30% Term: 3 Year Min. Deposit:  $2,500
All America Bank CD
Member FDIC.
APY: 3.75% Term: 3 Year Min. Deposit: 
APY: 2.85% Term: 3 Year Min. Deposit: 
APY: 4.10% Term: 3 Year Min. Deposit:  $1,000
Member FDIC.
APY: 2.00% Term: 3 Year Min. Deposit:  $500
Member FDIC.
APY: 4.25% Term: 3 Year Min. Deposit:  $1,500
APY: 4.25% Term: 3 Year Min. Deposit:  $500
APY: 4.30% Term: 3 Year Min. Deposit:  $500
Salem Five Bank CD
Member FDIC.
APY: 2.00% Term: 3 Year Min. Deposit:  $10,000
Republic Bank of Chicago CD
Member FDIC.
APY: 1.50% Term: 3 Year Min. Deposit:  $1,000
APY: 4.15% Term: 3 Year Min. Deposit:  $0
NASA Federal Credit Union Share Certificate
Federally insured by NCUA.
APY: 4.35% Term: 3 Year Min. Deposit:  $1,000
APY: 3.75% Term: 3 Year Min. Deposit:  $2,500
Member FDIC.
APY: 0.05% Term: 3 Year Min. Deposit:  $250.00
APY: 4.00% Term: 3 Year Min. Deposit:  $0
Fidelity CD
Member FDIC.
APY: 5.15% Term: 3 Year Min. Deposit:  $1,000
First Tech CD
APY: up to 2.45% Term: 3 Year Min. Deposit:  $500
Member FDIC.
APY: 4.15% Term: 3 Year Min. Deposit:  $1,000
Member FDIC.
APY: up to 1.75% Term: 37 Months Min. Deposit:  $1
Member FDIC.
APY: 4.75% Term: 45 Months Min. Deposit:  $1,000
First National Bank Standard CD
Member FDIC.
APY: 1.00% Term: 4 Year Min. Deposit:  $500
Member FDIC.
APY: 4.90% Term: 4 Year Min. Deposit:  $1,000
APY: 3.40% Term: 4 Year Min. Deposit:  $5,000
APY: 4.20% Term: 4 Year Min. Deposit:  $500
APY: 1.61% Term: 4 Year Min. Deposit: 
Member FDIC.
APY: 0.15% Term: 4 Year Min. Deposit:  $1,000
APY: 2.50% Term: 4 Year Min. Deposit: 
First Internet Bank of Indiana CD
Member FDIC.
APY: 4.54% Term: 4 Year Min. Deposit:  $1,000
Member FDIC.
APY: 4.90% Term: 4 Year Min. Deposit: 
Republic Bank of Chicago CD
Member FDIC.
APY: 1.50% Term: 4 Year Min. Deposit:  $1,000
Vanguard Brokered CD
Member FDIC.
APY: 5.05% Term: 4 Year Min. Deposit:  $1,000
APY: 3.50% Term: 4 Year Min. Deposit:  $0
APY: 4.05% Term: 4 Year Min. Deposit:  $1,000
APY: 4.00% Term: 4 Year Min. Deposit:  $0
Huntington Bank Standard CD
Member FDIC.
APY: 0.10% Term: 4 Year Min. Deposit:  $1,000
Salem Five Bank CD
Member FDIC.
APY: 2.25% Term: 4 Year Min. Deposit:  $10,000
Fidelity CD
Member FDIC.
APY: 4.90% Term: 4 Year Min. Deposit:  $1,000
Member FDIC.
APY: 2.00% Term: 4 Year Min. Deposit:  $500
Member FDIC.
APY: 4.15% Term: 4 Year Min. Deposit:  $1,500
APY: 3.75% Term: 4 Year Min. Deposit:  $2,500
APY: 4.05% Term: 4 Year Min. Deposit:  $0
APY: 4.00% Term: 4 Year Min. Deposit:  $500
APY: 1.20% Term: 4 Year Min. Deposit:  $0
Member FDIC.
APY: 3.95% Term: 4 Year Min. Deposit:  $1,000
NASA Federal Credit Union Share Certificate
Federally insured by NCUA.
APY: 4.20% Term: 4 Year Min. Deposit:  $1,000
All America Bank CD
Member FDIC.
APY: 3.49% Term: 4 Year Min. Deposit: 
NASA Federal Credit Union High-Yield Certificate
Federally insured by NCUA.
APY: 4.60% Term: 49 Months Min. Deposit:  $10,000
First National Bank Special CD
Member FDIC.
APY: 3.00% Term: 52 Months Min. Deposit:  Up to $10,000
Member FDIC.
APY: 4.75% Term: 59 Months Min. Deposit:  $1,000
First National Bank Standard CD
Member FDIC.
APY: 1.50% Term: 5 Year Min. Deposit:  $500
Huntington Bank Standard CD
Member FDIC.
APY: 0.10% Term: 5 Year Min. Deposit:  $1,000
Fidelity CD
Member FDIC.
APY: 4.85% Term: 5 Year Min. Deposit:  $1,000
APY: 3.75% Term: 5 Year Min. Deposit:  $0
APY: 3.75% Term: 5 Year Min. Deposit:  $2,500
Member FDIC.
APY: 2.00% Term: 5 Year Min. Deposit:  $500
APY: 4.00% Term: 5 Year Min. Deposit:  $2,500
First Tech CD
APY: up to 3.55% Term: 5 Year Min. Deposit:  $500
Vanguard Brokered CD
Member FDIC.
APY: 5.00% Term: 5 Year Min. Deposit:  $1,000
All America Bank CD
Member FDIC.
APY: 3.49% Term: 5 Year Min. Deposit: 
APY: 1.50% Term: 5 Year Min. Deposit:  $500
APY: 4.00% Term: 5 Year Min. Deposit:  $0
Member FDIC.
APY: 0.25% Term: 5 Year Min. Deposit:  $1,000
Member FDIC.
APY: 4.80% Term: 5 Year Min. Deposit:  $1,000
Republic Bank of Chicago CD
Member FDIC.
APY: 1.50% Term: 5 Year Min. Deposit:  $1,000
Member FDIC.
APY: 4.00% Term: 5 Year Min. Deposit:  $2,500
APY: 4.10% Term: 5 Year Min. Deposit:  $500
APY: 3.95% Term: 5 Year Min. Deposit:  $1,000
Member FDIC.
APY: 0.05% Term: 5 Year Min. Deposit:  $250.00
First Internet Bank of Indiana CD
Member FDIC.
APY: 4.59% Term: 5 Year Min. Deposit:  $1,000
APY: 3.00% Term: 5 Year Min. Deposit:  $0
Salem Five Bank CD
Member FDIC.
APY: 2.25% Term: 5 Year Min. Deposit:  $10,000
Member FDIC.
APY: 3.90% Term: 5 Year Min. Deposit:  $1,000
APY: 3.25% Term: 5 Year Min. Deposit: 
APY: 4.00% Term: 5 Year Min. Deposit:  $500
APY: 4.00% Term: 5 Year Min. Deposit:  $0
Member FDIC.
APY: 4.80% Term: 5 Year Min. Deposit: 
Member FDIC.
APY: 4.30% Term: 5 Year Min. Deposit:  $500
APY: 3.45% Term: 5 Year Min. Deposit:  $5,000
APY: 3.90% Term: 5 Year Min. Deposit:  $0
NASA Federal Credit Union Share Certificate
Federally insured by NCUA.
APY: 4.10% Term: 5 Year Min. Deposit:  $1,000
Member FDIC.
APY: 4.15% Term: 5 Year Min. Deposit:  $1,500
Member FDIC.
APY: up to 2.00% Term: 61 Months Min. Deposit:  $1
First National Bank Special CD
Member FDIC.
APY: 3.00% Term: 61 Months Min. Deposit:  Up to $10,000
APY: 1.50% Term: 6 Year Min. Deposit:  $500
Huntington Bank Standard CD
Member FDIC.
APY: 0.10% Term: 6 Year Min. Deposit:  $1,000
APY: 4.00% Term: 6 Year Min. Deposit:  $500
APY: 3.75% Term: 7 Year Min. Deposit:  $2,500
APY: 3.75% Term: 10 Year Min. Deposit:  $2,500

Details about Citi CDs

Citi Fixed Rate CD

Pros

  • Variety of term lengths
  • Competitive rates for a big bank
  • Low minimum balance requirement

Cons

  • Higher balance requirements in some states

Citi CD interest rates are competitive with its big bank competitors, with term lengths ranging from three months to five years. Citi also offers some unusual short-term CDs you won't find with many other banks, and many of these have special higher rates. Its minimum deposit is $500 in most states, but a few states have higher minimum requirements. If you'd like to benefit from Citi CD interest rates, make sure you have enough to meet the account minimum.

Other Citi CD accounts

Citi also offers the following CD accounts:

  • Step Up CD
  • No Penalty CD

How to open a Citi CD

It's pretty easy to open a Citi CD account, and if you're already a banking customer, you can log into your account to do it. Otherwise, you'll need to give your personal information (such as name, birthdate, and Social Security number). You'll also need to provide your employment and income information.

You'll need to fund your Citi CD, of course -- and remember, the minimum deposit amount is $500. You can transfer from an existing Citibank account or from an external bank. You'll be guided to create a login and password for Citi, so you can check up on your CD. Finally, you'll need to read and sign various agreements and disclosures for your new account.

It's important to keep track of when your CD will mature. For Citi CDs, they renew at the same term length when they expire, but you get a seven-day grace period to make any changes or withdraw your cash and close the account. And since CD rates change over time, when your CD matures, you may find that the new APY on that same term length is no longer worth your time.

Who is a Citi CD right for?

A Citi CD is a great fit for those with at least $500 they don't expect to spend in the next few months or years. It's also a good choice for those who prefer brick-and-mortar banking but still want to earn a high rate. If you're not married to the idea of a standard term length and can take advantage of, say, a 9-month CD, Citi might be a good choice. And if you want to build a CD ladder with a variety of term lengths, consider Citi's special rates on select terms.

Keep reading about Citi:

FAQs

  • Citi CDs come with a variety of terms, a few high APYs (especially on a few unusual term lengths), and low minimum balance requirements, so you can build a CD ladder or just use one to grow your savings.

  • A Citi CD could be right for you if you want to earn a competitive rate on your savings and you have at least $500 to spare.

Our Banking Experts