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

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Today's 12-month CD rates can be found at 5.09%, 6-month CD rates at 3.29% and 3-month CD rates at 4.60%. Current savings rates are at 4.35% and money market rates are at 3.53%. Mortgage rates today on 30-year fixed loans are around 7.18%. Credit Card rates are at 19.49%. Personal Loan rates are at 9.99%. All these rates, and more, can be found in our database of rates. Citizens Bank's 8-Month CD new money rates are at 5.00%, 14-Month CD rates are at 2.75%. Citizens Bank's money market rates are at 3.00%. Citizens Bank's 30-Year Fixed rates are at 7.12%, 15-Year Fixed rates are at 6.38%.

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
7.20%
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
8-Month CD new money
5.00%
$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
6.375%
6.509%
0.375
Citizens Bank
Citizens Bank
30-Year Fixed
7.125%
7.198%
0.250

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
America First Federal Credit Union
America First Federal Credit Union
6-Month CD
5.25%
$500
Stearns Bank Holdingford
Stearns Bank Holdingford
6-Month CD
5.06%
$2,500
Meadows Bank
Meadows Bank
6-Month CD (special)
5.00%
$1,000
First FSB of Mascoutah
First FSB of Mascoutah
6-Month CD
5.00%
$1,000
Communitywide Federal Credit Union
Communitywide Federal Credit Union
IRA Savings
5.00%
$2,000
Sallie Mae
Sallie Mae
12-Month CD
4.95%
$2,500
Ameriprise Financial
Ameriprise Financial
7-Month CD
4.70%
$0
Sallie Mae
Sallie Mae
24-Month CD
4.50%
$2,500
American Express National Bank
American Express National Bank
11-Month CD
4.50%
$0
Busey Bank
Busey Bank
7-Month CD (special)
4.30%
$1,000
Minnwest Bank
Minnwest Bank
Investment Savings
4.07%
$500,000
Seasons Federal Credit Union
Seasons Federal Credit Union
18-Month CD
4.00%
$1,000
Main Bank
Main Bank
3-Month CD
3.75%
$1,000
Solvay Bank
Solvay Bank
12-Month
3.75%
$2,500
Manasquan Bank
Manasquan Bank
12-Month CD
3.50%
$500
Genoa Banking Company
36-Month CD
3.30%
$1,000
First FSB of Mascoutah
First FSB of Mascoutah
48-Month CD
3.29%
$1,000
Bank of Burlington
Bank of Burlington
Savings
3.20%
$1
First FarmBank
First FarmBank
3-Month CD
3.00%
$1,000
UniBank
UniBank
60-Month CD
3.00%
$1,000
EverTrust Bank
EverTrust Bank
3-Month CD
2.90%
$20,000
Bank of Edmonson County
Bank of Edmonson County
48-Month CD
2.53%
$500
Sanborn Savings Bank
Sanborn Savings Bank
24-Month CD
2.52%
$1,000
FNB of Kansas
FNB of Kansas
18-Month CD
2.50%
$1,000
North Valley Bank Thornton, CO
North Valley Bank Thornton, CO
60-Month CD
2.50%
$1,000
Walden Savings Bank
Walden Savings Bank
12-Month CD
2.50%
$1,000
Vast Bank
Vast Bank
24-Month CD
2.50%
$1,000
Homeland Community Bank
Homeland Community Bank
36-Month CD
2.40%
$500
Lake-Osceola State Bank
Lake-Osceola State Bank
60-Month CD
2.38%
$500
Van Wert Federal Savings Bank
Van Wert Federal Savings Bank
36-Month CD
2.05%
$1,000
First State Bank of Campbell Hill
First State Bank of Campbell Hill
60-Month CD
2.02%
$500
Abound Federal Credit Union
Abound Federal Credit Union
Savvy Money Market
1.85%
$250,000
Walden Savings Bank
Walden Savings Bank
60-Month CD
1.75%
$1,000
Prevail Bank
Prevail Bank
Triumph Money Market
1.00%
$250,000
Fairfield County Bank
Fairfield County Bank
24-Month CD
1.00%
$2,500
First Northern Bank and Trust Company
First Northern Bank and Trust Company
12-Month CD
0.90%
$1,000
Torrington Savings Bank
Torrington Savings Bank
60-Month CD
0.70%
$1,000
FNB of Scotia
FNB of Scotia
36-Month CD
0.62%
$500
Chemung Canal Trust Company
Chemung Canal Trust Company
48-Month CD
0.55%
$1,000
FirsTier Bank
FirsTier Bank
24-Month CD
0.50%
$0
Chelsea Groton Bank
Chelsea Groton Bank
36-Month CD
0.30%
$500
The Bank of Elk River
The Bank of Elk River
Statement Savings
0.30%
$0
Sound Community Bank
Sound Community Bank
Money Market Apex
0.25%
$0
Sugar River Bank
Sugar River Bank
12-Month CD
0.25%
$500
Millville Savings Bank
Millville Savings Bank
24-Month CD
0.20%
$1,000
Charter Bank TX
Charter Bank TX
Checking Account Now
0.05%
$100
Commonwealth Co-operative Bank
Commonwealth Co-operative Bank
Savings Account
0.05%
$10
Forward Bank
Forward Bank
Premium Fast Forward Checking
0.05%
$0
American Eagle Financial Credit Union
American Eagle Financial Credit Union
Interest Checking
0.05%
$1
F&M Bank Laotto, IN
F&M Bank Laotto, IN
Simply Savings Account
0.03%
$50
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
4.990%
5.287%
0.500
5.500%
5.614%
0.000
5.500%
5.716%
0.500
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
15-Year Fixed
5.750%
5.910%
0.000
5.870%
5.970%
0.000
15-Year Fixed Jumbo
5.875%
5.970%
0.000
5.950%
5.998%
0.000
6.000%
6.043%
0.000
15 Year Fixed
5.750%
6.046%
1.000
6.000%
6.056%
0.000
10-Year Power Rate Fixed
5.750%
6.068%
0.000
5.875%
6.071%
0.250
5.875%
6.079%
1.000
6.000%
6.084%
0.000
6.000%
6.084%
0.000
15-Year Power Rate Fixed
5.875%
6.101%
0.000
6.000%
6.121%
0.000
5.875%
6.121%
0.000
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

    Iberiabank's Visa Classic credit card rate is one of the lowest credit card rates currently available from any bank or credit union. Iberia Bank's credit card rate is currently at 7.25 percent. The Visa Classic credit card rate can vary depending on your credit history and score. That being said the credit card rate you receive might be 10.25% or 13.25% depending on your credit worthiness.
    Fixed long term mortgage rates are mostly lower and adjustable home mortgage rates are down considerably this week. Fixed conforming 30 year home mortgage rates are averaging 4.22 percent, down from last week's average 30 year mortgage rate of 4.27 percent. 30 year home mortgage rates hit an all time low of 4.08 percent in early October and have hovered just above the record low for the past 30 days. 30 year conforming home mortgage rates in Florida are just below the national average rate at 4.20 percent.
    Bank of Internet, an online bank based in San Diego, California is still advertising some of the best CD rates available today from any bank or credit union. Bank of Internet is advertising regular certificates of deposit with terms ranging between 3 months to 5 years and every month in between. The minimum opening balance for a personal certificate of deposit is $1,000. 

    Bank or Credit Union Offers and Deals

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    Alternative Bank and Credit Union Offers to Explore

    Credit Card Rates: Average Rates January 12, 2011
    Mutual Security Credit Union Current 2 Year Mortgage Rate of 2.99%
    Interest Rates This Week: Mortgage Rates Decline and CD Rates Unchanged
    No Relief for Savers as FOMC Declines Rate Hike
    New Home Sales Decline as Tax Credit End Date Nears
    Savings Account Rates in California: Best Savings Rate at 1.10 Percent
    Mortgage Interest Rates Decrease and Mortgage Applications Increase: Average Contract Rate on 30 Year Mortgages at 4.78%
    Pennsylvania State Employees Credit Union CD Rates
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    ableBanking, a division of Northeast Bank 1 Year CD Rates now at 0.65%

    Citizens Bank Reviews

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