learn

savings calculator


If you invest

and add

every

month
open account

your interest in 5 yrs:

Citizens Access

CD rate comparison


if you invest

in a

5yr

CD, you'll earn:

Open [term] CD

you'll earn:

Bank APY* Annual Interest Earnings
Compare More Open [term] CD

APY assumes interest remains on deposit until maturity date.

CD ladder calculator

if you invest

for a

5yr

CD ladder

open your ladder

potential interest earned after [term] years:

CD ladder

1yr CD (Renewed Annually)

open your ladder

The above calculations are based on your initial investment amount and today’s rates.  Rates of future CD rollovers will reflect current market conditions at that time.

how to build a CD ladder

3

steps to build a CD ladder

  1. Divide your total investment across multiple CDs with different maturity terms.
  2. At maturity of each CD, reinvest earnings into the longest-term CD within your ladder.
  3. After the 1st rollover, CDs will automatically renew for the same term at maturity.

5 year CD ladder: a simple example

total investment = $25,000



need funds?
In this example, you could withdraw $5,000 plus interest earned annually as your CDs mature.