Citibank makes a compelling effort to incentivize customers to do all their banking in one place. Thanks to relationship features like waived service fees, unlimited ATM fee reimbursement, discounted personal loan rates, and more, you could potentially save a lot of money by going all-in with Citi.
But what are Citibank CD rates like? Do they compete with the best certificates of deposit from other banks, or is it worth diversifying your banks to get an improved return?
In fact, Citi offers competitive annual percentage yields (APY)—but only for a select few term lengths. Here’s what you need to know about Citi’s best CD rates.
Note that some products and details may vary by region.
Rates are current as of Dec. 12, 2025 and are subject to change.
Citibank CD rates and products
Citi offers multiple CD account types, from standard fixed-rate options to flexible CDs to bump-ups and IRA CDs. Citi even offers special business CDs to eligible regions.
Citi offers more term lengths than many of its competitors. If you’re interested in crafting a lucrative CD ladder, Citi will give you standout flexibility to do so.
Standard CDs
Citi provides an impressive 16 standard CD term options—from five months to five years. Each offers a unique APY.
Citibank standard CD features
Bank details checked Dec. 12, 2025
Featured CD
Citibank offers three special CD rates that are higher than its standard rates. These terms have the same penalties and restrictions as regular CDs, but they confer a notably higher APY. At the end of your special CD term, the CD renews as a standard CD at the regular rate.
Citibank featured CD rates
Bank details checked Dec. 12, 2025
No Penalty CDs
A No Penalty CD allows you to withdraw your full account balance early without getting dinged with early fees. It might be a good choice if you suspect you may need to dip into your balance for an upcoming expense, but you don’t know exactly when. Citi only offers one no-penalty term length, at 12 months.
Citibank no-penalty CD rates
Bank details checked Dec. 12, 2025
Step up CDs
Citi’s Step Up CD steadily increases the interest rate of your account at predetermined intervals. Through the life of your Step Up CD, your APY will climb incrementally.
Citibank step-up CD rates
Bank details checked Dec. 12, 2025
IRA CDs
If you want to save for retirement, an IRA CD from Citi could be a great strategy. You can choose either a traditional or Roth IRA option. Not only do such provide potential tax advantages to help maximize your returns, but almost every term length may provide superior APYs when compared to Citi’s other CDs.
And unlike a regular CD, where you can’t add funds, you can add funds at any time up to your annual contribution maximum.
Citibank IRA CD rates
Bank details checked Dec. 12, 2025
Business CDs
Citi offers fixed rate CDs with term options ranging from seven days to five years. Just note that in several regions, business CDs aren’t offered. You also won’t know the exact APY unless you schedule a call with Citi.
Bank details checked Dec. 12, 2025.
1 year CD AccountMarcus by Goldman SachsMember FDICAPY4.00 %January 11, 2026TERM1yrMIN. DEPOSIT$ 500EST. EARNINGS$ 1000Over 1 yearBacked by the financial expertise of Goldman Sachs.
6 Mo CD AccountNorthern Bank and Trust CompanyMember FDICAPY4.15 %January 5, 2026TERM6moMIN. DEPOSIT$ 500EST. EARNINGS$ 1038Over 1 year
10 months CD AccountUnited Fidelity BankMember FDICAPY4.15 %January 11, 2026TERM10moMIN. DEPOSIT$ 1000EST. EARNINGS$ 1038Over 1 year
Compare Citibank to competitors
As big banks go, Citibank CD rates are run-of-the-mill. You can likely find higher rates from some online banks. Here are some examples.
 Citibank |  Discover Bank |  Northern Bank Direct |
|---|---|---|
| 3 months | 3 months | 3 months |
| Up to 2.25% | 2.00% | N/A |
| 6 months | 6 months | 6 months |
| Up to 4.00% | 3.50% | 4.15% |
| 8 months | 8 months | 8 months |
| Up to 3.50% | N/A | N/A |
| 9 months | 9 months | 9 months |
| Up to 3.00% | 3.50% | 3.50% |
| 12 months | 12 months | 12 months |
| 2.25% | 3.90% | 3.50 |
| 24 months | 24 months | 24 months |
| Up to 1.01% | 3.60% | 3.25% |
| Learn more | Learn more | Learn more |
| View offer at Citibank | View offer at Discover | View offer at Northern Bank Direct |
Bank details checked Dec. 12, 2025.
Learn more: Check out our full roundups of Discover CD rates and Northern Bank Direct CD rates.
Learn more about Citibank
Citi is the third-largest bank in the country as of this writing, with more than $1.7 trillion in assets, per a Federal Reserve statistical release. Headquartered in New York City, Citi is a full-service bank that offers a range of account types, from checking and savings accounts, to money market accounts, CDs, personal loans, credit cards, and more.
Though Citibank isn’t lauded for its CD rates, it still might be worth considering if you have other accounts at the bank—and you’d like to keep all your finances under one roof. If your deposits are considerable, you might qualify for Relationship Tier benefits, such as waived monthly fees or ATM fee rebates.
You’re welcome to open accounts online or in-person, but Citi’s physical branches are concentrated in just a handful of big cities—namely, New York, Chicago, Los Angeles, Miami, San Francisco, and Washington, DC. If you don’t live in one of these areas, you’ll likely do all your banking online.
Frequently asked questions
What is the minimum deposit required for Citibank CDs?
The minimum deposit required for Citi’s personal CDs are $500, $250 for IRA CDs, and $10,000 for business CDs.
What types of CDs does Citibank offer?
Citi offers standard, feature, Step Up, No Penalty, IRA, and Business CDs.
What happens when my Citibank CD matures?
When your Citibank CD matures, your account will typically renew for the same term (though your APY and specific features may be different).
Are Citibank CDs FDIC insured?
Citibank CDs are FDIC insured up to $250,000.
Can I add money to my Citibank CD after opening?
You cannot add money to your Citibank CD after the initial grace period.
