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Personal Banking




Certificates of Deposit

Certificates of Deposit (CDs) typically pay the highest rate of interest on deposit accounts. Our certificates are designed around you with a variety of terms and rates based on what works best for you. Most CDs require only $500 to open, however there is a substantial penalty for early withdrawal.

Citizens Bank wants you to feel comfortable knowing that your money is safe with us. In fact, through CDARS®, or the Certificate of Deposit Account Registry Service, Citizens Bank can provide you with access to multi-million-dollar FDIC protection. You work directly with just one bank, receive one rate per maturity and one statement. A minimum deposit of $10,000 is required to place your funds through CDARS. Please contact your Customer Service Representative for rates and further information.



Limits apply. Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC