As of the latest update in April 2026, Citizens Bank offers several certificate of deposit (CD) products with varying terms, such as 4-month, 7-month, and 14-month periods. The Annual Percentage Yields (APYs) for these products have recently been reported at 4.00% for the 4-month term, 3.80% for the 7-month term, and 3.10% for the 14-month term. These offerings typically require minimum deposits ranging from $1,000 to $25,000, depending on the specific product and term length. Because these rates are subject to change based on market conditions, and because certain promotional or specialized CD rates may require a pre-existing relationship with the bank—such as holding a "Citizens Quest" or "Private Client" checking account—it is recommended that customers visit a local branch or use the bank's official website to confirm current rates before initiating an application.