Citizens Access CD

Citizens Access CD

in CD Accounts from Citizens Access · Member fdic


Citizens Access CD


in CD Accounts from Citizens Access · Member FDIC

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Minimum Initial Deposit $5,000
Deposit Term
  • 12 months
  • 2 years
  • 3 years
  • 4 years
  • 5 years
APY (Annual Percentage Yield) 1.3% - 1.45%

Citizens Access CD Review

Citizens Access CD is offered by Citizens Access, a bank founded in 2017 and based in Providence, RI. Citizens Access CD is available in 50 states (and Washington, DC).

Citizens Access CD FAQ

Are cd accounts from Citizens Access federally insured?

Yes, your Citizens Access cd accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #57957). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What types of CDs does Citizens Access offer?

  • Traditional

What APY does Citizens Access offer on its CDs?

Citizens Access CD offers an APY starting at 1.3% and ranging up to 1.45% (APY stands for annual percentage yield, rates may change). This is higher than the typical APY for online-only checking accounts, which is around 1% APY.

What types of terms does Citizens Access CD offer?

Citizens Access offers CD terms of the following lengths:
Citizens Access CD Rates & Terms
2-Year APY 1.30%
3-Year APY 1.35%
4-Year APY 1.40%
5-Year APY 1.45%
APY Type Fixed APY
12-Month APY 1.30%
APY (Annual Percentage Yield) 1.3% - 1.45%

What is the minimum deposit to open a CD account with Citizens Access?

Citizens Access CD requires a minimum initial deposit of $5,000 to open an account.

What types of early withdrawal penalties does Citizens Access CD charge?

Financial institutions don't typically charge many fees on certificate of deposit accounts. However, some do charge a fee if you chooose to withdrawal your money before the CD term ends.

Citizens Access does not charge an early withdrawal fee.

Citizens Access CD Fees
Annual Fee $0
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  • Headquarters
  •   One Citizens Plaza
    Providence, RI 02903
  •   Visit Site

Hours of Operation

  • Sunday 10:00am - 3:00pm
  • Monday 8:00am - 10:00pm
  • Tuesday 8:00am - 10:00pm
  • Wednesday 8:00am - 10:00pm
  • Thursday 8:00am - 10:00pm
  • Friday 8:00am - 10:00pm
  • Saturday 9:00am - 3:00pm

Other Services by Citizens Access

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View all cd accounts offered by Citizens Access


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Initial Deposit $5,000
Annual Fee $0
Grace Period for Account Changes 10 days
2-Year APY 1.30%
3-Year APY 1.35%
4-Year APY 1.40%
5-Year APY 1.45%
12-Month APY 1.30%
APY (Annual Percentage Yield) 1.3% - 1.45%
CD Accounts Traditional

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Citizens Access CD Accounts