Earn Up To 3.50% APY Citizens Access’ Best Online CD Rate, 3.70% APY Savings (Nationwide)

Citizens Access is the online division of Citizens Bank, offering great Savings and CD rates that surpass traditional banking institutions. Operating online, accounts are available to everyone nationwide.

• Update 4/23/25: Rates changed slightly.
• Update 12/29/24: The rates have change. See the new rates below.
• Update 11/27/24: The rate has changed. See below.
• Update 10/16/2024: Their APY has decreased, see new rates below.
• Update 9/11/2024: The offer has remained competitve.
• Update 1/19/2024: Their 1 year CD decreased slightly.
• Update 12/19/2023: The rate remains strong.
• Update 11/3/2023: The 1-year CD rate increased from 5.00% to 5.50% APY.
• Update 5/3/2023: The APY rate on their savings account increased from 4.25% to 4.50% and their 1-year CD term increased from 4.75% to 5.00%.
• Update 3/14/2023: The APY rate on their savings account increased from 4.00% to 4.25% and their 1-year CD term increased from 4.50% to 4.75%.
• Update 3/6/2023: The APY on their savings account increased from 3.75% to 4.00% and their 1-year CD term increased from 4.25% to 4.50%.
• Update 1/6/2023: The APY on their 1-year CD term increased from 3.45% to 4.25%.
• Update 12/12/2022: The APY on their savings account increased from 3.00% to 3.75%.

There are no branch locations for in-person service, and its headquarters is located at One Citizens Plaza in Providence, Rhode Island.

See Post History below for all offers from Citizens Bank.

Citizens Access Online Savings Account Earns 3.70% APY (Nationwide)

• Available online, nationwide
• No fees, for anything
• $5,000 minimum deposit
• FDIC insured deposits

>> OFFER LINK

Citizens Access Online CD Accounts (Nationwide)

• Available online, nationwide
• No fees
• $5,000 minimum deposit
• FDIC insured deposits

Here are their most popular terms:

Term	APY
1 Year	3.50%
5 Year	2.75%

>> OFFER LINK

Bottom Line

Citizens Access Savings and Online CDs offer a range of benefits that make saving and investing your money easy and accessible.

Citizens Access Savings is a no-fee online savings account that is perfect for any financial goal, whether you’re saving for a rainy day or for a special occasion. With this account, you can deposit and withdraw your money as you need it, without incurring any service fees. You’ll also enjoy a competitive interest rate on your savings, so your money will grow over time.

If you’re looking to save for a longer-term goal, you might consider one of the no-fee online CDs. Their CDs offer a great rate for the full term of your investment, so you can know exactly how much you’ll earn on your money. They offer terms from 1 to 5 years, so you can choose a CD that fits your timeline and your savings goals. And, you can choose to either receive your interest payments monthly or reinvest them to earn even more.

Another great advantage of Citizens Access Savings and CD accounts is that there are no account opening fees. You can start saving and earning right away, without any hidden costs. With these accounts, you can focus on your goals, without worrying about any unexpected fees or charges.

Get more Citizens Bank bonuses here.

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.