Citizens Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 5.45%, 6-month CD rates at 5.00% and 3-month CD rates at 3.55%. Current savings rates are at 1.00% and money market rates are at 0.20%. Mortgage rates today on 30-year fixed loans are around 7.00%. Credit Card rates are at 16.50%. Personal Loan rates are at 10.50%. All these rates, and more, can be found in our database of rates. Citizens Bank's 10-Month CD new money rates are at 5.50%, 14-Month CD rates are at 2.75%. Citizens Bank's money market rates are at 3.00%. Citizens Bank's 15-Year Fixed rates are at 6.88%, 30-Year Fixed rates are at 6.50%.

Citizens Bank

To see how these rates compare to Citizens Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Citizens Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Citizens Bank CD rates. You can also compare Citizens Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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.

Citizens Bank Texas Ratio

Citizens Bank's Texas Ratio is at 11.00%, which is considered excellent. The Texas Ratio for Citizens Bank is higher than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Citizens Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
3.00%
30-Year Fixed
6.58%
Credit Card
N/A
Personal Loan
N/A
Citizens Bank
1 Citizens Plz
Providence, RI 02903
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Citizens Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Citizens Bank
Citizens Bank
10-Month CD new money
5.50%
$25,000
Citizens Bank
Citizens Bank
Private Client Money Market
3.00%
$25,000
Citizens Bank
Citizens Bank
14-Month CD
2.75%
$1,000

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Citizens Bank Mortgage Rates

Lender
Product
Rate
APR
Points
Citizens Bank
Citizens Bank
15-Year Fixed
6.875%
7.031%
0.500
Citizens Bank
Citizens Bank
30-Year Fixed
6.500%
6.582%
0.375

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Citizens Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
BankStar Financial
BankStar Financial
Premium Money Market
3.15%
$1,500,000
Portage Community Bank
Portage Community Bank
48-Month CD
2.00%
$1,000
Merchants State Bank
Merchants State Bank
24-Month CD
3.75%
$5,000
Chelsea State Bank (CSB)
Chelsea State Bank (CSB)
15-Month CD
4.31%
$500
PyraMax Bank
PyraMax Bank
60-Month CD
0.60%
$1,000
Passumpsic Savings Bank
Passumpsic Savings Bank
Kasasa Cash Checkign
3.00%
$25
First Exchange Bank
First Exchange Bank
24-Month CD
2.40%
$500
First Commerce Bank Lewisburg, TN
First Commerce Bank Lewisburg, TN
Savings Account
0.10%
$100
First Southwest Bank
First Southwest Bank
60-Month CD
3.56%
$1,000
Wayne Savings Community Bank
Wayne Savings Community Bank
10-Month CD special relationship
5.00%
$1,000
Leader Bank
Leader Bank
9-Month CD
5.40%
$1,000
Abbey Credit Union
Abbey Credit Union
6-Month CD
5.00%
$500
Lineage Bank
Lineage Bank
30-Month CD promotional special
4.75%
$10,000
1st Mississippi Federal Credit Union
1st Mississippi Federal Credit Union
Basic Savings
0.20%
$0
First Horizon
First Horizon
6-Month CD
0.10%
$1,000
Lincoln Bank of Hodgenville
Lincoln Bank of Hodgenville
Statement Saving
0.10%
$100
First Southern Bank
First Southern Bank
Premier Money Market
0.25%
$2,500
GTE Financial CU
GTE Financial CU
30-Month CD Jumbo
3.56%
$100,000
Stoughton Co-operative Bank
Stoughton Co-operative Bank
12-Month CD
0.25%
$500
Connex Credit Union
Connex Credit Union
48-Month CD
2.40%
$500
Farmers National Bank
Farmers National Bank
18-Month CD
4.80%
$10,000
First Federal S&L of Central Illinois, S.B.
First Federal S&L of Central Illinois, S.B.
48-Month CD
2.53%
$1,000
First Savings Bank of Hegewisch
First Savings Bank of Hegewisch
Diamond Money Market
3.25%
$150,000
Columbia Bank
Columbia Bank
24-Month CD
4.75%
$500
Cape Cod Co-operative Bank
Cape Cod Co-operative Bank
8-Month CD special
5.00%
$500
Shinhan Bank America
Shinhan Bank America
3-Month CD
0.25%
$1,000
Nuvision Federal Credit Union
Nuvision Federal Credit Union
9-Month CD (Certificate) Special
6.00%
$1,000
Generations Bank
Generations Bank
12-Month CD
4.25%
$500
Liberty Bank Poulsbo, WA
Liberty Bank Poulsbo, WA
14-Month CD special
4.33%
$2,500
Generations Bank
Generations Bank
6-Month CD
4.50%
$1,000
Think Mutual Bank
Think Mutual Bank
24-Month CD
2.85%
$250
The Golden 1 Credit Union
The Golden 1 Credit Union
Regular Savings
0.05%
$0
Kanza Bank
Kanza Bank
48-Month CD
2.25%
$1,000
Silver Lake Bank
Silver Lake Bank
48-Month CD
2.02%
$500
First FSB of Mascoutah
First FSB of Mascoutah
24-Month CD
5.10%
$1,000
USB Union Savings Bank
USB Union Savings Bank
25-Month CD promo special
3.29%
$1,000
Salem Co-operative Bank
Salem Co-operative Bank
7-Month CD
5.12%
$500
CIT Bank
CIT Bank
6-Month CD
5.00%
$1,000
First Command Bank
First Command Bank
36-Month CD
1.10%
$1,000
KeySavings Bank
KeySavings Bank
Enterprise Enhanced Money Market
3.55%
$2,000
Bank of Magnolia
Bank of Magnolia
36-Month CD
0.50%
$1,000
Citizens Bank & Trust Company KY
Citizens Bank & Trust Company KY
24-Month CD
4.25%
$500
University Federal Credit Union
University Federal Credit Union
18-Month CD
4.25%
$1,000
Legacy Bank Colwich, KS
Legacy Bank Colwich, KS
48-Month CD
3.40%
$1,000
North Shore Bank Co-op
12-Month CD
4.50%
$1,000
State Bank of India US
State Bank of India US
11-Month CD special
4.60%
$1,000
CIT Bank
CIT Bank
36-Month CD
0.40%
$1,000
OlyFed Olympia Federal S&L
OlyFed Olympia Federal S&L
18-Month CD
2.65%
$100
TSB Teutopolis State Bank
TSB Teutopolis State Bank
Money Market Advantage
0.10%
$0
Badger Bank
Badger Bank
6-Month CD ICS/CDARS
2.71%
$10,000
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Citizens Bank Mortgage Rates

Lender
Product
Rate
APR
Points
8.375%
8.432%
0.375
8.250%
8.411%
0.000
8.150%
8.354%
0.000
10-Year ARM
8.000%
8.099%
0.000
5-Year Jumbo ARM
5.875%
8.098%
2.000
30-Year Jumbo Fixed
7.750%
7.911%
1.000
5-Year ARM FHA
5.750%
7.888%
2.000
7-Year ARM
7.500%
7.847%
0.000
5Y/6M ARM
6.750%
7.841%
0.881
7-Year ARM
6.990%
7.764%
0.000
30-Year Fixed
7.421%
7.750%
0.000
7.500%
7.746%
0.000
7.500%
7.735%
1.000
5-Year ARM
6.000%
7.685%
2.000
7.500%
7.682%
1.000
6.500%
7.670%
0.500
5/6 Month ARM
6.750%
7.623%
1.000
6.500%
7.600%
0.500
7.250%
7.591%
0.000
7.500%
7.573%
0.000
30-Year Fixed FHA
6.000%
7.565%
0.000
6.875%
7.559%
0.000
7Y/6M ARM
6.500%
7.545%
0.908
7.125%
7.524%
1.000
6.625%
7.510%
0.500
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Citizens Bank Information

Citizens Bank
1 Citizens Plz
Providence, RI 02903
Providence
Established Date: 05/13/2005
FDIC Certificate #: 57957
Date of FDIC Deposit Insurance: 05/13/2005
Bank Holding Company: CITIZENS FINANCIAL GROUP INC
How Many Domestic U.S. Offices? 1,145
How Many Branches are There? 1,135
Is Citizens Bank FDIC Insured? Yes
What is Citizens Bank's Cert number? 57957
What is the maximum amount for insured deposits? $250,000 per holder, per account

Citizens Bank Financials

Total Assets:
$221,955,033,000
Total Deposits:
$174,818,571,000
Equity Capital:
$23,954,688,000
Domestic Deposits:
$174,680,451,000
Net Income:
$538,129,000
Return on Assets:
0.9616%
Quarterly Return on Assets:
0.9600%
Pretax Return on Assets:
1.2451%
Pretax Quarterly Return on Assets:
1.2500%
Return on Equity:
8.7200%
Quarterly Return on Equity:
9.0400%
Common Equity Tier 1 Capital Ratio:
10.9571%
Tier 1 Risk-Based Capital Ratio:
10.9572%
Leverage Tier 1 (Core Capital) Ratio:
9.3221%
Total Risk-Based Capital Ratio (YTD):
12.4717%
Total Interest Income (YTD):
3.5186%
 
 
Headquarters:
Providence
FDIC Field Office:
South Boston
Regulator:
OCC
County:
Providence
# of Offices:
1147
Metropolitan Statistical Area (MSA):
Providence-Warwick, RI-MA
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Northeast
FDIC Region:
New York
Source: FDIC

Top 25 Twelve Month CD Rates as of 2/5/24

Below is a list of the top 25 Twelve Month CD rates as of February 5, 2024. You can search for and compare certificate of deposit rates for any terms by using our deposit rates tables. We have CD rates from thousands of financial institutions to make sure you're getting the best rates available today.

  • Peoples Bank of Seneca
  • 12-Month CD special
  •     Read more...

    Top 50 CD Rates on 12-Month Certificates of Deposit 1/6/24

    The 12-month CD rates listed here are significantly higher than the average 12-month rate of 2.82% in our database of rates as of 1/6/24. Right now the best CD rate on our 12-month list is at 6.00%, two credit unions are currently offering the top rate, City Credit Union Credit Human FCU. The third best rate is also from a credit union, All In Credit Union is offering a 12-month jumbo CD rate of 5.80%.

    The 4th best 12-month rate is from MyeBanc, currently offering a 12-month jumbo CD rate of 5.77% APY. Bayer Heritage FCU has the 5th best rate at 5.76% for a 12-month jumbo CD. The 6th best rate is a three-way tie at 5.75% APY, All In Credit Union, One World Bank and Washita State Bank are all offering a 5.75% APY for a regular 12-month CD. You can view the top 50 rates below, do your own search of our database for the best CD rates on 12-month CDs.

        Read more...

    Citizens Bank Savings Rates at 4.25% APY

    Citizens Bank savings rates are currently one of the best savings rates available and more than 21x the national average. Current savings rates at Citizens bank are at 4.25% APY. Citizens Bank is a well-known financial institution in the United States, offering a wide range of banking services to its customers. One of the most popular products offered by the bank is the Citizens Bank savings account, which provides a secure and convenient way for customers to save money while earning interest.

    The savings account rate of 4.25% offered by Citizens Bank on their Access savings account is one of the highest in the industry. This rate is variable and subject to change, but right now is very competitive offering for you the chance to maximize your earnings.

    The Access Savings Account has no monthly maintenance fees or minimum balance requirements. You can easily open an account online and manage your account online or through the mobile app. The online banking system is user-friendly and provides customers with real-time access to their account balance, transaction history, and interest earned.

        Read more...

    Citizens Bank Mortgage Rates Today

    Citizens Bank Mortgage RatesCitizens Bank mortgage rates are very competitive right now and if you setup automatic payments from a Citizens Bank checking account, you get an additional 0.125 percent rate discount. Current 30 year mortgage rates at Citizens Bank are quoted at 3.75 percent with only 0.125 mortgage points. Their 15 year mortgage rates are also a good deal at 3.125 percent. If you're looking for an adjustable mortgage, Citizens Bank's 7 year mortgage rates are quoted at 3.50 percent. To get the best deal on a home loan compare other lenders' rates with Citizens Bank mortgage rates.     Read more...

    Citizens Bank Mortgage Rates

    Citizens Bank Mortgage RatesCitizens Bank mortgage rates are some of the best mortgage rates available today. 30 year mortgage rates at Citizens Bank are currently at 5.125 percent with only 0.25 mortgage points and $998 in fees. 15 year mortgage rates from Citizens Bank are at 4.375 percent with the same points and fees as the 30 year loan. Compare Citizens Bank mortgage rates with other lender's rates below.     Read more...

    30 Year Mortgage Rates Will End 2014 Below 4.00 Percent

    Average mortgage rates today drifted lower, following 10 year U.S. Treasury yields. The current average 30 year conforming mortgage rate is at 3.95 percent, a slight decline from yesterday's average 30 year rate of 3.98 percent. 30 year mortgage refinance rates moved under 4.00 percent last week and will probably end 2014 below 4.00 percent.The average 30 year rate is just below 4.00 percent but there are lenders quoting 30 year refinance rates today below well below the average. On our interest rate table for New Jersey, Garden State Home Loans is quoting 30 year refinancing rates at 3.50 percent with 1.25 mortgage points. AmeriSave is quoting 30 year rates at 3.75 percent with 1 mortgage point and HSBC Bank quoting rates at 3.95 percent with no points.30 Year Mortgage Rates Will End 2014 Below 4.00 PercentCurrent mortgage rates on 15 year conventional loans are averaging 3.10 percent, down from yesterday's average 15 year rate of 3.13 percent. In an article published yesterday, we predicted average 15 year mortgage rates would remain near 3.10 percent for the rest of 2014. The lowest 15 year refi rates on our table for Illinois are at 2.85 percent with 1 mortgage point and at 3.125 percent with no points, both quoted by AmeriSave.     Read more...

    Citizens Bank Offers $425 Cash Back for Business Customers

    Citizens Bank is offering business customers ways to earn up to $425 cash back. The cash back deals are somewhat different for new customers and existing customers. Citizens Bank also offers competitive savings account rates and other deposit rates.New Customers: Open a new checking account and add at least one service.Existing Customers: Add two or more services to your existing business checking relationship.     Read more...

    CD Rates in Philadelphia: Best 12 month CD APY at 1.27%

    Right now on our list of the best CD rates in Philadelphia, PA, Bank of Internet has the best 12 month CD rate. Bank of Internet's current 12 month CD rate is 1.26% with a CD yield of 1.27%. That rate is more than double the current national average of 0.54% as reported by MonitorBankRates.com.Get the highest CD rates by searching our rate tables here: Highest CD Rates. You can find the best CD rates in your state from banks and credit unions.The second highest CD rate on our list in Philadelphia is from E-Loan.com. E-loan's CD rate is 1.25% with a CD yield of 1.26%. That rate is also more than double the national average.     Read more...

    Highest Savings Account Rates in California

    Savings accounts rates/money market account rates won't be going higher until later this year or early next year since the economy is stuck in the doldrums and the Fed's Charmin, Ben Bernanke, doesn't expect things to pick up until later in 2011. Right now the current national average savings account rate for account balances of at least $2,500 is averaging only 0.21 as reported by MonitorBankRates. You can find savings account rates and money market account rates higher than the national average rates.Looking for the best rates? Search our savings rate/MMA rate tables to find the best rates in your state or zip code: SavingsAccount.MonitorBankRates.com.Right now three different banks are listing having the best savings account rate in California. Discover Bank, American Express Bank and Sallie Mae Bank are all offering online savings account rates at 1.14% with a savings yield of 1.15%.     Read more...

    Best National 1 Year CD Rates: Highest APY at 1.26%

    Right now on our 1 year list of national CD rates E-Loan.com has the best rate. E-Loan is offering 1 year bank CD rates at 1.25% with a bank CD yield of 1.26%. E-Loan's rate is more than double the current national average 12 month CD rate of 0.559% as reported by MonitorBankRates.com.

    Jacksonville, Florida Auto Loan Rates

    The lowest auto loan rate on our auto loan rates table in Jacksonville, Florida is from Pentagon Federal Credit Union(PenFed). PenFed's 48 month new auto loan rate is currently at 2.99 percent with zero rate discounts.Penfed also tops our list with a 2.99 percent auto loan rate for a 36 month new car loan. Second on our list of a 3 year new car loan rates is Jacksonville, FL, is Nationwide Bank. The bank's current 3 year new car loan rate is 3.70 percent with 1 auto rate discount point. Both banks are also offering the same great auto loan rate for a 4 year used car loan.Back to 4 year interest rates for a new car loan. Second on our list of auto loan rates for a 4 year new car loan is Bank of America. Bank of America's 48 month new car loan rate is 3.49 percent with zero rate discount points. Suntrust is has the third lowest auto loan rate on our list. Suntrust's current 48 month new car loan rate is 3.99 percent.     Read more...

    Highest 12 Month CD Rates - PA

    The Federal Open Market Committee's recent decision to keep the fed funds rate in a targeted range of 0% to 1/4% will keep CD rates at these low levels for the next several months. In fact, we might not see CD rates head higher until late in 2010 or early 2011. That being said, finding highest CD rates isn't an easy task.  To make sure search easier we have complied a list of the highest 12 month CD rates in the state of Pennsylvania. Searching for the highest CD rates at banks and credit unions? Use our CD rates table at CDRates.MonitorBankRates.com to find the highest bank CD rates and credit union CD rates in your area.Flagstar Bank and Sallie Mae Bank have the highest 12 month CD rates on our list of rates in PA. Both Flagstar Bank and Sallie Mae are offering their 12 month CD rate at 1.54 percent with an annual percentage yield of 1.55 percent. That CD rate and CD yield is almost double the current national average rates. Flagstar Bank’s minimum opening CD account deposit is $500 and Sallie Mae Bank’s minimum opening deposit is $1.     Read more...

    FDIC List of Troubled Banks and the Texas Ratio

    The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

    The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

    The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, a ratio of 100% or higher, the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

        Read more...

    Explore Other Rate Deals

    Mortgage rates are higher for the third consecutive week in the most recent mortgage rates survey released yesterday morning by Freddie Mac (OTC: FMCC). Fixed long term mortgage rates and short term adjustable mortgage rates are all higher in the Primary Mortgage Market Survey for the week ending December 2, 2010. Fixed conventional 30 year home mortgage rates are averaging 4.46 percent for the week ending December 2, 2010, up from the previous week’s average 30 year home mortgage  rate of 4.40 percent. Average mortgage discount points on 30 year home mortgage loans was 0.8 points, unchanged from the prior week’s survey.
    Mortgage refinance rates were higher this week sending mortgage loan volume lower. Conforming 30 year mortgage rates averaged 3.65 percent with 0.39 mortgage points in the Mortgage Banker Association's Weekly Application Survey for the week ending October 26, 2012. In the prior week's mortgage survey, average 30 year mortgage rates were at 3.63 percent with 0.45 mortgage points. As a result of higher rates in this week's survey mortgage applications decreased 4.8 percent from one week earlier.

    Bank or Credit Union Offers and Deals

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    Marcus Bank CD Rates: 4.50% APY 12-Month CD Rate - Best Deal
    Mortgage Rates and Mortgage Applications Decline in MBA Survey
    Atlanta Postal Credit Union Highest CD Rates
    American Bank Money Market Account Rates now at 0.25%

    Alternative Bank and Credit Union Offers to Explore

    FOMC Fed Funds Projections Point to Low Savings Rates Until 2015
    Current Bank Savings Rates and Money Market Rates October 3, 2012
    Citizens Trust Bank 6 Month $25K CD Rates now at 0.05%
    Getting a Copy of Your Credit Report
    Home Equity Loan
    Finding the Highest Online Savings Account Rates
    Mortgage Rates Decline as Equity Prices and Commodity Prices Tumble
    Choosing a Credit Card
    Refinance Rates Today Higher as 10 Year Bond Yields Increase 8 Basis Points
    Mortgage Rates: Today's Mortgage Rates Strengthen, 30 Year Mortgage Rates at 4.05%

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