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 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 4.50% APY (Nationwide)
- Available online, nationwide
- No fees, for anything
- $5,000 minimum deposit
- FDIC insured deposits
Citizens Access Online CD Accounts – Earn 5.00% APY for a 1-year Term and 3.45% APY for a 5-year Term (Nationwide)
- Available online, nationwide
- No fees
- $5,000 minimum deposit
- FDIC insured deposits
- View rates
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.
Post History:
- Best Citizens Bank Bonuses, Promotions of June 2023
- Citizens Bank Up To $400 Checking Bonus Offer – Ends 7/6/23
- Citizens Bank Cash Back Plus Card $150 Bonus
- Citizens Bank $500 Business Checking Bonus – Ends 5/15/23
- Citizens Bank: Up To $900 Checking + Credit Card Welcome Bonus Offer [NY, NJ] – No End Date
- Citizens Bank $150 Direct Deposit Bonus for Existing Customers [Targeted] – Ended
- Citizens Bank Everyday Points Business Mastercard $325 Bonus
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.