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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APY (Annual Percentage Yield) 0.10% - 0.25%
Minimum Opening Deposit Starting at $5,000
Certificate Term
  • 12 months
  • 2 years
  • 3 years
  • 4 years
  • 5 years

Citizens Access CD Review

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

Key Takeaways

  • Only one CD account type available. Citizens Access CD only offers traditional CD accounts.
  • Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 0.25%, which is much higher than the national average for a CD account.
  • High minimum deposit. You must deposit a minimum of $5,000, which is high compared to most CD accounts.
  • Wide selection of CD terms. Citizens Access CD allows you to create a CD ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.

Pros & Cons of Citizens Access CD

Pros Cons
  • FDIC insured.
  • Multiple CD terms available.
  • Available in all 50 states.
  • High-interest yield.
  • There isn't a no-penalty CD option.
  • Does not offer an IRA CD.

Citizens Access CD FAQ

Are CDs from Citizens Access federally insured?

Yes, your Citizens Access CDs 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?

Citizens Access CD provides the following types of CDs.
  • Traditional CDs. These CDs pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the CD for another term.

What CD rates does Citizens Access offer on its CDs?

Citizens Access CD offers an APY starting at 0.10% and ranging up to 0.25%. APY stands for annual percentage yield and shows the interest rate paid by the CD after taking into account compounding.

What terms does Citizens Access CD offer?

Citizens Access offers CD terms of the following lengths:
Citizens Access CD Rates & Terms
APY (Annual Percentage Yield) 0.10% - 0.25%
12-Month APY 0.10%
2-Year APY 0.10%
3-Year APY 0.15%
4-Year APY 0.20%
5-Year APY 0.25%

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

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

What is the grace period for Citizens Access CD?

There is a 10-day grace period for Citizens Access CD. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the 10-day grace period. Note that the new CD rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does Citizens Access CD charge?

Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw 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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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
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Annual Fee $0
Minimum Opening Deposit Starting at $5,000
APY (Annual Percentage Yield) 0.10% - 0.25%
12-Month APY 0.10%
2-Year APY 0.10%
3-Year APY 0.15%
4-Year APY 0.20%
5-Year APY 0.25%
Certificate Term
  • 12 months
  • 2 years
  • 3 years
  • 4 years
  • 5 years
CD Accounts Traditional
Grace Period for Account Changes 10 days

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