What are the current interest rates at Citizens Access?

Current rates for Citizens Access include: 12-Month CD: 3.25%, 24-Month CD: 3.00%, 36-Month CD: 2.75%, 48-Month CD: 2.75%, 60-Month CD: 2.75%, Savings: 2.80%

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Citizens Access Rates & Review September 2026

Q: How many branches does Citizens Access operate?

Citizens Access currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Citizens Access does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Access provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

Citizens Access's 8-Month CD rates are at 4.00%, 8-Month Online CD rates are at 4.00%, Online CD - 8-Month rates are at 4.00%, 1 Year Online CD rates are at 3.25%, 2 Year Online CD rates are at 3.00%. Citizens Access's savings rates are at 2.80%. MonitorBankRates has no FDIC call report data for Citizens Access (no FDIC certificate on file), so it is not rated. Deposits may be insured through a partner bank; check the institution's own disclosures. Rates last updated and verified on 09/18/2026.

Citizens Access money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens Access? Share your experience about Citizens Access by leaving a review below, or read customer reviews before you decide to use Citizens Access.

Overall Health & Safety Grade

N/A

Not Rated No current filing

MonitorBankRates Rating

N/A

Not Rated No current filing

Texas Ratio

N/A

Not Rated No data

Citizens Access CD Rates

Product	Rate	APY	Term
8 Month CD	-	4.00%	8 Month
Min Balance $5,000 Details Annual Percentage Yield (APY) and interest rates are accurate as of 07/28/2026 . Penalty for early withdrawal. Your CD will renew into a CD of the same terms at maturity unless changes are made to your account during the 10-calendar-day grace period following maturity. APY assumes interest remains on deposit until maturity date. Last Updated 09/18/2026
8 Month Online CD	3.92%	4.00%	8 Month
No additional details. Last Updated 09/18/2026
Online CD - 8 month	-	4.00%	8 month
Min Balance $5,000 Details Annual Percentage Yield (APY) and interest rates are accurate as of 07/28/2026 . Penalty for early withdrawal. Your CD will renew into a CD of the same terms at maturity unless changes are made to your account during the 10-calendar-day grace period following maturity. APY assumes interest remains on deposit until maturity date. Last Updated 09/18/2026
1 Year Online CD	3.20%	3.25%	1 Year
No additional details. Last Updated 09/18/2026
2 Year Online CD	2.96%	3.00%	2 Year
No additional details. Last Updated 09/18/2026
3 Year Online CD	2.71%	2.75%	3 Year
No additional details. Last Updated 09/18/2026
4 Year Online CD	2.71%	2.75%	4 Year
No additional details. Last Updated 09/18/2026
5 Year Online CD	2.71%	2.75%	5 Year
No additional details. Last Updated 09/18/2026
5 Year Online CD	-	2.75%	5-year
Min Balance $5,000 Details Annual Percentage Yield (APY) and interest rates are accurate as of 07/28/2026 . Penalty for early withdrawal. Your CD will renew into a CD of the same terms at maturity unless changes are made to your account during the 10-calendar-day grace period following maturity. APY assumes interest remains on deposit until maturity date. Last Updated 09/18/2026

Citizens Access Savings Rates

Product	Rate	APY	View More
Savings account	-	2.80%
Min Balance $0 Details The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank's discretion. 2.80% APY for balances of $0.01 - $4,999.99; 2.80% APY for balances of $5,000 or more. Last Updated 09/18/2026

Citizens Access Other Rates

Product	Rate	Points	APY/APR	Term	View More
CD Ladder	-	-	4.00%
Min Balance $5,000 Details Unlock access to longer-term rates Access part of your cash every year Limit interest rate risk with frequent opportunities to reinvest your cash* Annual Percentage Yield (APY) and interest rates are accurate as of 07/28/2026 . Penalty for early withdrawal. Your CD will renew into a CD of the same terms at maturity unless changes are made to your account during the 10-calendar-day grace period following maturity. APY assumes interest remains on deposit until maturity date. Last Updated 09/18/2026

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens Access is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citizens Access rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens Access's official website for the most current offers and terms.

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Frequently Asked Questions About Citizens Access

How many branches does Citizens Access operate?

Citizens Access currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Citizens Access does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Access provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Access offer online and mobile banking?

Most modern institutions like Citizens Access provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.secure.citizensaccess.com.