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  Citizens Access CD Ladder
Citizens Access CD Ladder Unaffiliated

Citizens Access CD Ladder

Unaffiliated
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Highlights
Minimum Opening Deposit Starting at $10,000
Certificate Term
  • 1 month
  • 3 months
  • 6 months
  • 9 months
  • 11 months
  • 12 months
  • 13 months
  • 15 months
  • 16 months
  • 18 months
  • 19 months
  • 2 years
  • 25 months
  • 27 months
  • 28 months
  • 30 months
  • 31 months
  • 3 years
  • 37 months
  • 39 months
  • 42 months
  • 43 months
  • 4 years
  • 49 months
  • 55 months
  • 58 months
  • 59 months
  • 5 years
  • 61 months
  • 6 years
  • 7 years
  • 10 years
APY (Annual Percentage Yield) 0.10% - 0.25%

Citizens Access CD Ladder Review

Citizens Access CD Ladder is offered by Citizens Access, founded in 2017 and based in Providence, RI. Citizens Access CD Ladder is available in 51 states across the USA.

Key Takeaways
  • Only one CD account type available. Citizens Access CD Ladder only offers CD accounts.
  • Very high 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 $10,000, which is high compared to most CD accounts.
  • Wide selection of CD terms. Citizens Access CD Ladder 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 Ladder
Pros Cons
  • Multiple CD terms available.
  • Available in all 50 states.
  • High-interest yield.
  • Not FDIC-insured.
  • There isn't a no-penalty CD option.
  • Does not offer an IRA CD.
Citizens Access CD Ladder FAQ

Are cd accounts from Citizens Access federally insured?

No, your Citizens Access cd accounts are not insured by a federal insurance agency. This means that if Citizens Access were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

What types of CDs does Citizens Access offer?

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

What CD rates does Citizens Access offer on its CDs?

Citizens Access CD Ladder 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 Ladder offer?

Citizens Access offers CD terms of the following lengths:
Citizens Access CD Ladder Rates & Terms
Description
APY (Annual Percentage Yield) 0.10% - 0.25%

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

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

What is the grace period for Citizens Access CD Ladder?

There is a 10-day grace period for Citizens Access CD Ladder. 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 Ladder 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 Ladder Fees
Description
Annual Fee $0
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Contact

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

Availability

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

Feature Breakdown

Annual Fee $0
Minimum Opening Deposit Starting at $10,000
APY (Annual Percentage Yield) 0.10% - 0.25%
CD Accounts Traditional
Grace Period for Account Changes 10 days
Certificate Term
  • 1 month
  • 3 months
  • 6 months
  • 9 months
  • 11 months
  • 12 months
  • 13 months
  • 15 months
  • 16 months
  • 18 months
  • 19 months
  • 2 years
  • 25 months
  • 27 months
  • 28 months
  • 30 months
  • 31 months
  • 3 years
  • 37 months
  • 39 months
  • 42 months
  • 43 months
  • 4 years
  • 49 months
  • 55 months
  • 58 months
  • 59 months
  • 5 years
  • 61 months
  • 6 years
  • 7 years
  • 10 years

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