What are the current interest rates at Citizens Bank?

Current rates for Citizens Bank include: MMA: 0.02%

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Citizens Bank Rates & Review September 2026

Q: How many branches does Citizens Bank operate?

Citizens Bank currently maintains approximately 979 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 Bank 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 Bank 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 Bank's 5-Month CD rates are at 4.00%, 10-Month CD rates are at 3.85%, 14-Month CD rates are at 3.10%. Citizens Bank's money market rates are at 0.02%. Citizens Bank's Conforming Fixed Rate Mortgage - Refinance rates are at 6.62%, Conforming Fixed Rate Mortgage - Refinance rates are at 7.38%. MonitorBankRates evaluates the financial stability of Citizens Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.72%. Rates last updated and verified on 09/18/2026.

Citizens Bank 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 Bank? Share your experience about Citizens Bank by leaving a review below, or read customer reviews before you decide to use Citizens Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.72%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Citizens Bank, National Association

1 Citizens Plz
Providence, RI 02903

https://www.citizensbank.com

Citizens Bank CD Rates

Product	Rate	APY	Term
5-Month CD	-	4.00%	5-Month
Min Deposit $25,000 Details new money required; Available with a Citizens Quest or Citizens Private Client Checking account; Early withdrawal penalties may apply Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
10-Month CD	-	3.85%	10-Month
Min Deposit $25,000 Details new money required; Available with a Citizens Quest or Citizens Private Client Checking account; Early withdrawal penalties may apply Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
14-Month CD	-	3.10%	14-Month
Min Deposit $1,000 Details Available with a Citizens Quest or Citizens Private Client Checking account; Early withdrawal penalties may apply Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%

Citizens Bank Money Market Rates

Product	Rate	APY
Citizens Private Client Money Market	-	3.50%
Min Deposit $25,000 Details Preferred rates; New money required Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Citizens Quest Money Market	-	3.50%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Citizens Quest Money Market	-	3.50%
Min Balance $50,000 Details Balance: $50,000 - $74,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Citizens Quest Money Market	-	3.50%
Min Balance $75,000 Details Balance: $75,000 - $249,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Citizens Quest Money Market	-	3.50%
Min Balance $250,000 Details Balance: $250,000 - $999,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Citizens Quest Money Market	-	3.50%
Min Balance $1,000,000 Details Balance: $1,000,000 - $2,999,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Citizens Quest Money Market	-	3.50%
Min Balance $3,000,000 Details Balance: $3,000,000+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Citizens Quest Money Market	-	3.50%
Min Deposit $25,000 Details Preferred rates; New money required Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Citizens Quest Money Market	-	0.03%
Min Balance $1,000,000 Details Balance: $1,000,000 - $2,999,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Citizens Quest Money Market	-	0.03%
Min Balance $3,000,000 Details Balance: $3,000,000+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Citizens Quest Money Market	-	0.03%
Min Deposit $25,000 Details Standard rates; New money required Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Citizens Quest Money Market	-	0.02%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Citizens Quest Money Market	-	0.02%
Min Balance $50,000 Details Balance: $50,000 - $74,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Citizens Quest Money Market	-	0.02%
Min Balance $75,000 Details Balance: $75,000 - $249,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Citizens Quest Money Market	-	0.02%
Min Balance $250,000 Details Balance: $250,000 - $999,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Citizens Quest Money Market	-	0.02%
Min Balance $0 Details Balance: $0 - $2,499 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Citizens Quest Money Market	-	0.02%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Citizens Quest Money Market	-	0.02%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%

Citizens Bank Mortgage Rates

Product	Rate	Points	APR	Term
Conforming Fixed Rate Mortgage - Refinance	6.63%	0.375	6.77%	15 Year Fixed Rate
Details Rates listed are effective as of 09/18/2026 9:14 AM CT and subject to change at anytime. These rates and payments are based on a $300,000 loan amount. Rates shown include 0.125% autopay and paperless discount. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%
Conforming Fixed Rate Mortgage - Refinance	7.38%	0.25	7.45%	30 Year Fixed Rate
Details Rates listed are effective as of 09/18/2026 9:14 AM CT and subject to change at anytime. These rates and payments are based on a $300,000 loan amount. Rates shown include 0.125% autopay and paperless discount. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.72%

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.

Financial Health History

Citizens Bank’s Texas Ratio fell from 8.28% in Q3 2023 to 7.72% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$232.5B	7.72%	5.0	A
March 31, 2026	$227.1B	8.17%	5.0	A
December 31, 2025	$225.9B	7.60%	5.0	A
September 30, 2025	$222.1B	7.47%	5.0	A
June 30, 2025	$218.0B	7.82%	5.0	A
March 31, 2025	$220.0B	8.25%	5.0	A
December 31, 2024	$217.2B	8.97%	5.0	A
September 30, 2024	$219.5B	8.85%	5.0	A
June 30, 2024	$219.6B	9.22%	5.0	A
March 31, 2024	$220.2B	9.08%	5.0	A
December 31, 2023	$221.8B	8.51%	5.0	A
September 30, 2023	$225.0B	8.28%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens Bank 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 Bank 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 Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens Bank

Bank Holding Company CITIZENS FINANCIAL GROUP INC

Address 1 Citizens Plz, Providence, RI 02903 · Providence

Website https://www.citizensbank.com

FDIC Certificate # 57957

Established 20050513

FDIC Insurance Date 20050513

Domestic Offices 977

Total Branches 979

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.72%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9921%

Return on Equity (ROE) 8.5000%

Non-Performing Loans (NPL) 0.87%

Total Assets $232,517,438,000

Total Deposits $188,731,766,000

Equity Capital $26,478,553,000

Net Income $1,133,526,000

Headquarters Providence

Total Branches and Offices 979

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Citizens Bank earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Citizens Bank

How many branches does Citizens Bank operate?

Citizens Bank currently maintains approximately 979 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 Bank 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 Bank provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Bank offer online and mobile banking?

Most modern institutions like Citizens Bank 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.citizensbank.com.