What are the current interest rates at Citizens Bank?

Current rates for Citizens Bank include: MMA: 3.50%

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Citizens Bank Rates & Review October 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: October 14, 2026

Citizens Bank's top rates as of October 14, 2026 are 4.40% APY on its 10-Months 10-Month CD, 3.50% APY on money market accounts, and 6.75% on its 15-Year Fixed Rate mortgage, according to rates verified by MonitorBankRates. Other Citizens Bank CD rates include 5-Months 5-Month CD at 4.25%, and 14-Months 14-Month CD at 3.10%. Other Citizens Bank mortgage rates include 30-Year Fixed Rate at 7.625%. MonitorBankRates evaluates the financial stability of Citizens Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.44%. Rates last updated and verified on 10/14/2026.

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

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.44%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Citizens Bank, National Association

1 Citizens Plz
Providence, RI 02903

https://www.citizensbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Citizens Bank CD Rates

Product	Rate	APY	Term
10-Month CD	-	4.40%	10 months
Min Deposit $25,000 Details Online Only; Rhode Island rates; $25,000 new money required; Available with a Citizens Quest or Citizens Private Client Checking account; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.85% → 4.40% ▲ 0.55 pts · high 4.40% / low 3.85% Oct 14, 20264.40%▲ from 3.85% Sep 18, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
5-Month CD	-	4.25%	5 months
Min Deposit $25,000 Details Online Only; Rhode Island rates; $25,000 new money required; Available with a Citizens Quest or Citizens Private Client Checking account; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 14, 20264.25%▲ from 4.15% Oct 2, 20264.15%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
14-Month CD	-	3.10%	14 months
Min Deposit $1,000 Details Online Only; Rhode Island rates; Available with a Citizens Quest or Citizens Private Client Checking account; Early withdrawal penalties may apply Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%

Citizens Bank Money Market Rates

Product	Rate	APY
Citizens Private Client Money Market - Preferred	-	3.50%
Min Balance $25,000 Details Rhode Island rates; requires Citizens Private Client Checking account; preferred rates require a minimum of $25,000 of new money; $0 monthly maintenance fee with Citizens Private Client Checking; includes unlimited rebates on ATM fees charged by other banks; rates apply to new accounts and are variable Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Citizens Quest Money Market - Preferred	-	3.50%
Min Balance $25,000 Details Rhode Island rates; requires Citizens Quest Checking account; preferred rates require a minimum of $25,000 of new money; $0 monthly maintenance fee with Citizens Quest Checking; rates apply to new accounts and are variable Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Citizens Quest Money Market - Preferred	-	3.50%
Min Balance $50,000 Details Preferred Rates require $25,000 not currently on deposit with Citizens; Balance: $50,000 - $74,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Citizens Quest Money Market - Preferred	-	3.50%
Min Balance $75,000 Details Preferred Rates require $25,000 not currently on deposit with Citizens; Balance: $75,000 - $249,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Citizens Quest Money Market - Preferred	-	3.50%
Min Balance $250,000 Details Preferred Rates require $25,000 not currently on deposit with Citizens; Balance: $250,000 - $999,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Citizens Quest Money Market - Preferred	-	3.50%
Min Balance $1,000,000 Details Preferred Rates require $25,000 not currently on deposit with Citizens; Balance: $1,000,000 - $2,999,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Citizens Quest Money Market - Preferred	-	3.50%
Min Balance $3,000,000 Details Preferred Rates require $25,000 not currently on deposit with Citizens; Balance: $3,000,000 and over Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Citizens Quest Money Market - Standard	-	0.03%
Details Rhode Island rates; requires Citizens Quest Checking account; standard rate; $0 monthly maintenance fee with Citizens Quest Checking; rates apply to new accounts and are variable Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.03% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Citizens Quest Money Market	-	0.02%
Min Balance $0 Details Balance: $0 - $2,499 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Citizens Quest Money Market	-	0.02%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Citizens Quest Money Market	-	0.02%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Citizens Quest Money Market	-	0.02%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Citizens Quest Money Market	-	0.02%
Min Balance $50,000 Details Balance: $50,000 - $74,999 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 0.02% ▼ 3.48 pts · high 3.50% / low 0.02% Oct 14, 20260.02%▼ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Citizens Quest Money Market	-	0.02%
Min Balance $75,000 Details Balance: $75,000 - $249,999 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 0.02% ▼ 3.48 pts · high 3.50% / low 0.02% Oct 14, 20260.02%▼ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Citizens Quest Money Market	-	0.02%
Min Balance $250,000 Details Balance: $250,000 - $999,999 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 0.02% ▼ 3.48 pts · high 3.50% / low 0.02% Oct 14, 20260.02%▼ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%

Citizens Bank Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed Rate	6.75%	0.75	6.952%	15 years
Details Refinance; Based on $300,000 loan amount; Rates include 0.125% autopay and paperless discount Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
30-Year Fixed Rate	7.625%	0.375	7.717%	30 years
Details Refinance; Based on $300,000 loan amount; Rates include 0.125% autopay and paperless discount Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 7.34% → 7.72% ▲ 0.38 pts · high 7.72% / low 7.34% Oct 14, 20267.72%▲ from 7.34% Sep 15, 20267.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%

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 6.11% in Q3 2023 to 5.44% 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 and its Health Grade from A to A+. 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	5.44%	5.0	A+
March 31, 2026	$227.1B	5.85%	5.0	A+
December 31, 2025	$225.9B	5.72%	5.0	A+
September 30, 2025	$222.1B	5.96%	5.0	A+
June 30, 2025	$218.0B	6.26%	5.0	A
March 31, 2025	$220.0B	6.55%	5.0	A
December 31, 2024	$217.2B	7.05%	5.0	A
September 30, 2024	$219.5B	7.09%	5.0	A
June 30, 2024	$219.6B	7.05%	5.0	A
March 31, 2024	$220.2B	6.94%	5.0	A
December 31, 2023	$221.8B	6.26%	5.0	A
September 30, 2023	$225.0B	6.11%	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

Bank Name Citizens Bank

Website https://www.citizensbank.com

Address 1 Citizens Plz, Providence, RI 02903 · Providence

Bank Holding Company CITIZENS FINANCIAL GROUP INC

FDIC Certificate # 57957

Regulator OCC

Established May 13, 2005

FDIC Insurance Date May 13, 2005

Domestic Offices 977

Total Branches 979

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.44%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.9921%

Return on Equity (ROE)

8.5000%

Non-Performing Loans Ratio (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 June 30, 2026

2026 MBR Health & Safety Badge

Citizens Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/citizens-bank-rates-review-57957">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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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.