Citizens Access CD Ladder

Citizens Access CD Ladder

in CD Accounts from Citizens Access · Member fdic


Citizens Access CD Ladder


in CD Accounts from Citizens Access · Member FDIC

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Minimum Initial Deposit $10,000
Deposit Term
  • 6 months
  • 3 years
  • 4 years
  • 5 years
APY (Annual Percentage Yield) 1.34% - 1.43%

Citizens Access CD Ladder Review

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

Citizens Access CD Ladder 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 Ladder offers an APY starting at 1.34% and ranging up to 1.43% (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 Ladder offer?

Citizens Access offers CD terms of the following lengths:
Citizens Access CD Ladder Rates & Terms
APY (Annual Percentage Yield) 1.34% - 1.43%
APY Type Fixed APY
3-Month APY N/A
6-Month APY N/A
11-Month APY N/A
12-Month APY N/A
2-Year APY N/A
3-Year APY 1.34%
4-Year APY 1.39%
5-Year APY 1.43%
7-Year APY N/A

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

Citizens Access CD Ladder requires a minimum initial deposit of $10,000 to open an account.

What types of early withdrawal penalties does Citizens Access CD Ladder 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 Ladder Fees
Annual Fee $0
Transfer Fee N/A
Rollover Fee N/A
Early Withdrawal Fee Amount N/A
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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

Icon for CD Accounts
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 $10,000
Annual Fee $0
Grace Period for Account Changes 10 days
3-Year APY 1.34%
4-Year APY 1.39%
5-Year APY 1.43%
APY (Annual Percentage Yield) 1.34% - 1.43%
CD Accounts Traditional

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Citizens Access CD Accounts