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.
TL;DR
- Citibank offers various CD types including standard, featured, no-penalty, step-up, IRA, and business CDs.
- Standard CDs have 16 term options from five months to five years with varying APYs.
- Featured CDs offer higher APYs for specific terms like 6, 8, and 9 months.
- No-penalty CDs allow one penalty-free withdrawal after six days, with a 12-month term.
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 Nov. 11, 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
| Term length | APY (under $100,000) | APY ($100,000+) |
|---|---|---|
| 3 months | 3.25% | 2.25% |
| 4 months | 3.50% | 2.50% |
| 5 months | 2.25% | 2.25% |
| 7 months | 0.05% | 2.00% |
| 10 months | 0.05% | 2.75% |
| 11 months | 0.05% | 0.05% |
| 12 months | 3.25% | 2.25% |
| 13 months | 0.10% | 0.10% |
| 14 months | 0.10% | 0.10% |
| 15 months | 3.00% | 2.50% |
| 18 months | 0.10% | 1.01% |
| 24 months | 0.50% | 1.01% |
| 30 months | 0.10% | 0.10% |
| 36 months | 2.00% | 2.00% |
| 48 months | 2.00% | 2.00% |
| 60 months | 2.00% | 2.00% |
| 3 months | |
|---|---|
| APY (under $100,000) | 3.25% |
| APY ($100,000+) | 2.25% |
| 4 months | |
| APY (under $100,000) | 3.50% |
| APY ($100,000+) | 2.50% |
| 5 months | |
| APY (under $100,000) | 2.25% |
| APY ($100,000+) | 2.25% |
| 7 months | |
| APY (under $100,000) | 0.05% |
| APY ($100,000+) | 2.00% |
| 10 months | |
| APY (under $100,000) | 0.05% |
| APY ($100,000+) | 2.75% |
| 11 months | |
| APY (under $100,000) | 0.05% |
| APY ($100,000+) | 0.05% |
| 12 months | |
| APY (under $100,000) | 3.25% |
| APY ($100,000+) | 2.25% |
| 13 months | |
| APY (under $100,000) | 0.10% |
| APY ($100,000+) | 0.10% |
| 14 months | |
| APY (under $100,000) | 0.10% |
| APY ($100,000+) | 0.10% |
| 15 months | |
| APY (under $100,000) | 3.00% |
| APY ($100,000+) | 2.50% |
| 18 months | |
| APY (under $100,000) | 0.10% |
| APY ($100,000+) | 1.01% |
| 24 months | |
| APY (under $100,000) | 0.50% |
| APY ($100,000+) | 1.01% |
| 30 months | |
| APY (under $100,000) | 0.10% |
| APY ($100,000+) | 0.10% |
| 36 months | |
| APY (under $100,000) | 2.00% |
| APY ($100,000+) | 2.00% |
| 48 months | |
| APY (under $100,000) | 2.00% |
| APY ($100,000+) | 2.00% |
| 60 months | |
| APY (under $100,000) | 2.00% |
| APY ($100,000+) | 2.00% |
Bank details checked Nov. 11, 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
| Term length | APY (under $100,000) | APY ($100,000+) |
|---|---|---|
| 6 months | 3.50% | 3.80% |
| 8 months | 2.75% | 3.00% |
| 9 months | 3.25% | 3.50% |
| 6 months | |
|---|---|
| APY (under $100,000) | 3.50% |
| APY ($100,000+) | 3.80% |
| 8 months | |
| APY (under $100,000) | 2.75% |
| APY ($100,000+) | 3.00% |
| 9 months | |
| APY (under $100,000) | 3.25% |
| APY ($100,000+) | 3.50% |
Bank details checked Nov. 11, 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 Nov. 11, 2025
Step up CDs
Citi's Step Up CD features a progressively rising interest rate for your account at set intervals. Over the duration of your Step Up CD, your APY will experience gradual growth.
Citibank step-up CD rates
| Term length | Composite APY |
|---|---|
| 30 months (Months 1-10) | 0.05% |
| 30 months (Months 11-20) | 0.10% |
| 30 months (Months 21-30) | 0.15% |
| 30 months (Months 1-10) | |
|---|---|
| Composite APY | 0.05% |
| 30 months (Months 11-20) | |
| Composite APY | 0.10% |
| 30 months (Months 21-30) | |
| Composite APY | 0.15% |
Bank details checked Nov. 11, 2025
IRA CDs
For retirement savings, a Citi IRA CD presents a strong option. You've got the choice between a traditional or Roth IRA. These accounts offer potential tax benefits to boost your earnings, and most term lengths can yield higher APYs than Citi's other certificates of deposit.
Unlike a standard CD, which doesn't allow for additional contributions, you're able to deposit funds whenever you wish, up to your yearly contribution limit.
Citibank IRA CD rates
| Term length | APY (under $100,000) | APY ($100,000+) |
|---|---|---|
| 3 months | 3.25% | 2.25% |
| 4 months | 2.25% | 2.50% |
| 5 months | 2.00% | 2.25% |
| 6 months | 3.50% | 3.80% |
| 7 months | 1.75% | 2.00% |
| 8 months | 2.75% | 3.00% |
| 9 months | 3.25% | 3.50% |
| 10 months | 2.75% | 2.75% |
| 12 months | 2.00% | 2.25% |
| 13 months | 0.10% | 0.10% |
| 18 months | 1.01% | 1.01% |
| 24 months | 0.50% | 1.01% |
| 30 months | 0.10% | 0.10% |
| 36 months | 2.00% | 2.00% |
| 48 months | 2.00% | 2.00% |
| 60 months | 2.00% | 2.00% |
| 3 months | |
|---|---|
| APY (under $100,000) | 3.25% |
| APY ($100,000+) | 2.25% |
| 4 months | |
| APY (under $100,000) | 2.25% |
| APY ($100,000+) | 2.50% |
| 5 months | |
| APY (under $100,000) | 2.00% |
| APY ($100,000+) | 2.25% |
| 6 months | |
| APY (under $100,000) | 3.50% |
| APY ($100,000+) | 3.80% |
| 7 months | |
| APY (under $100,000) | 1.75% |
| APY ($100,000+) | 2.00% |
| 8 months | |
| APY (under $100,000) | 2.75% |
| APY ($100,000+) | 3.00% |
| 9 months | |
| APY (under $100,000) | 3.25% |
| APY ($100,000+) | 3.50% |
| 10 months | |
| APY (under $100,000) | 2.75% |
| APY ($100,000+) | 2.75% |
| 12 months | |
| APY (under $100,000) | 2.00% |
| APY ($100,000+) | 2.25% |
| 13 months | |
| APY (under $100,000) | 0.10% |
| APY ($100,000+) | 0.10% |
| 18 months | |
| APY (under $100,000) | 1.01% |
| APY ($100,000+) | 1.01% |
| 24 months | |
| APY (under $100,000) | 0.50% |
| APY ($100,000+) | 1.01% |
| 30 months | |
| APY (under $100,000) | 0.10% |
| APY ($100,000+) | 0.10% |
| 36 months | |
| APY (under $100,000) | 2.00% |
| APY ($100,000+) | 2.00% |
| 48 months | |
| APY (under $100,000) | 2.00% |
| APY ($100,000+) | 2.00% |
| 60 months | |
| APY (under $100,000) | 2.00% |
| APY ($100,000+) | 2.00% |
Bank details checked Nov. 11, 2025
Business CDs
Citi provides fixed-rate certificates of deposit (CDs) with maturities from seven days up to five years. It's important to be aware that business CDs are not available in certain areas. Additionally, you'll need to arrange a consultation with Citi to discover the precise annual percentage yield.
Bank details checked Nov. 11, 2025.
Citibank's offerings against those of its rivals
Citibank's Certificates of Deposit (CDs) offer standard interest rates, not exceptional ones. You'll probably discover better rates from certain online financial institutions. Consider these illustrations.
 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 3.80% | 3.50% | 4.00% |
| 8 months | 8 months | 8 months |
| Up to 3.00% | N/A | N/A |
| 9 months | 9 months | 9 months |
| Up to 3.50% | 3.50% | 3.75% |
| 12 months | 12 months | 12 months |
| 2.25% | 4.05% | 3.50 |
| 24 months | 24 months | 24 months |
| Up to 1.01% | 3.50% | 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 Nov. 11, 2025.
Learn more: Check out our full roundups of Discover CD rates and Northern Bank Direct CD rates.
Learn more about Citibank
As of this writing, Citi ranks as the nation's third-largest bank, holding over $1.7 trillion in assets, according to a Federal Reserve statistical release. Based in New York City, Citi operates as a comprehensive financial institution, providing various account options including checking, savings, money market accounts, CDs, personal loans, credit cards, and other services.
While Citibank's CD rates aren't particularly high, they could still be a viable option if you already bank there and prefer to consolidate your financial accounts. Substantial deposits may also make you eligible for Relationship Tier perks, like waived monthly service charges or reimbursements for ATM fees.
You're welcome to establish accounts either online or in person, though Citi's physical locations are primarily situated in a few major metropolitan areas: New York, Chicago, Los Angeles, Miami, San Francisco, and Washington, D.C. Should you not reside in one of these regions, your banking activities will most likely be conducted exclusively online.
Frequently asked questions
The smallest amount you need to open a Citibank CD is $500.
Citi's personal CDs necessitate a minimum deposit of $500, while IRA CDs require $250, and business CDs demand $10,000.
Citibank provides a variety of Certificates of Deposit (CDs).
Citi offers standard, feature, Step Up, No Penalty, IRA, and Business CDs.
When your Citibank CD reaches its maturity date, it will automatically renew into a new CD with the same term length, unless you instruct otherwise.
Upon maturity of your Citibank CD, it will generally be reissued for the identical duration, though your annual percentage yield and particular attributes might vary.
Yes, Citibank Certificates of Deposit (CDs) are insured by the FDIC.
Citibank CDs are FDIC insured up to $250,000.
Is it possible to contribute additional funds to a Citibank CD once it's been established?
You cannot add money to your Citibank CD after the initial grace period.