simply smarter savings

simply smarter savings


online CD account (1yr)


CD accounts you'll count on.

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CD rate comparison

if you invest

in a


CD, you'll earn:

Open [term] CD

you'll earn:

Bank APY* Annual Interest Earnings
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APY assumes interest remains on deposit until maturity date.


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minutes is all it takes.

Apply for a Citizens Access CD account in just a few easy steps.

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Why save with Citizens Access?

We are not only 100% committed to providing the best savings experience and market-leading rates, we’re also backed by deep institutional knowledge – Citizens Bank, N.A., has been supporting customers for 190 years with over $150 billion in assets.  So while we are new, our roots are not. And with FDIC insurance, leading security practices, and absolutely no promotional rates or fees, you’ll get smarter, simpler, secure savings… period.

No branches? How do I access my money?

No branches allows us to deliver you some of the best rates available, but being a digital bank doesn't mean you can't access your funds. Simply link your account to your account(s) at other financial institutions and set up a one-time or recurring electronic transfer (transfer restrictions apply) or, if you prefer, you can also call us and request a check made out to you.

How do I fund my Online CD?

You can easily fund your Citizens Access Online or Liquid CD account(s) in one of two ways: 

1. Online Funds Transfer  - Using the routing number and account number of your checking or savings account at another U.S. financial institution, you can link that external account to Citizens Access and then make an online transfer into your Citizens Access account.

2. Deposit a check - Ensure the check is made payable to you from another U.S. financial institution (no foreign checks). Endorse the back of the check with your signature, your Citizens Access account number and "For Deposit Only to Citizens Access" on the endorsement line. You can deposit your check by signing into your account from your phone and selecting "Deposit a Check" from the Move Money menu and follow the on screen prompts. Alternatively, you can mail your check to us at the following address:

Citizens Access
PO Box 6801
Carol Stream, IL 60197- 6801

Please note, your initial CD deposit of at least $5,000 must be made within 30 days of account opening.  Additionally, we will not accept cash deposits or wire transfers. All deposits to your accounts, regardless of how they are made, are subject to verification, final payment and our Funds Availability policy.

How do I receive interest earned on my CD?

We offer two options for future interest payments:
     - By default, interest credits to CD principal
     - Alternatively, future interest payments can be transferred  to a Citizens Access savings account or a linked external account from your "Account Details" page. Please call us at  888-201-6505 for assistance. 

What happens to my CD at maturity?

Your CD will automatically renew on its maturity date at the available rate for the same term unless we have previously received instructions from you or new instructions are received within the 10 day grace period.  You can define a maturity plan that meets your needs which may include adding or removing funds, adjusting your term or redeeming your CD. You can call us at 888-201-6505 to establish a maturity plan. 

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