Citibank CD Rates Today: APYs, Terms, and Penalties
Rates verified on Oct 9, 2025 at 6:38 PM ETBelow are current Citibank CD rates by term. Promotional terms and jumbo tiers are labeled where applicable. Rates may vary by region and can change without notice.
Today’s Citibank CD Rates
Minimum opening deposit is typically $500 unless noted.
| Notes | |||
|---|---|---|---|
| 3 months* | 3.00% | $500 | Featured |
| 4 months* | 3.25% | $500 | Featured |
| 5 months | 1.75–2.25% | $500 | Varies by region/relationship |
| 6 months* | 3.80–4.10% | $500 | Featured range |
| 7 months | 2.50–3.00% | $500 | Occasional promo |
| 8 months | 3.70% | $500 | Standard |
| 8 months (Jumbo)** | 4.00% | $100,000 | Jumbo |
| 9 months | 2.50–3.00% | $500 | Varies by region/relationship |
| 10 months | 0.05% | $500 | Standard |
| 11 months | 2.00–2.50% | $500 | Standard |
| 12 months | 2.25–2.75% | $500 | Popular |
| 13 months | 0.10% | $500 | Standard |
| 14 months | 0.10% | $500 | Standard |
| 15 months | 2.50% | $500 | Standard |
| 18 months | 1.01% | $500 | Standard |
| 24 months** | 0.50% | $500 | Standard |
| 24 months (Jumbo)** | 1.01% | $100,000 | Jumbo |
| 30 months | 0.10% | $500 | Standard |
| 36 months | 2.00% | $500 | Standard |
| 48 months | 2.00% | $500 | Standard |
| 60 months | 2.00% | $500 | Long‑term |
Source context: Citi Q4 2024 Earnings Press Release
Asterisks: * Featured; ** Jumbo/special tier. Confirm details in application flow.
Promotional and Featured Citi CD Rates
Featured terms (marked with *) can change without notice and may vary by state or relationship status.
Jumbo and IRA CD Rates
Jumbo CDs typically require $100,000+ and may offer different APYs, as shown above for 8‑ and 24‑month terms.
Citibank Early Withdrawal Penalties
- Terms 12 months or less: penalty equals 90 days of simple interest on the amount withdrawn.
- Terms over 12 months: penalty equals 180 days of simple interest on the amount withdrawn.
- No‑penalty CDs, when offered, allow early withdrawals after a short lock‑in without the standard penalty.
Frequently Asked Questions
Why do some APYs show a range?
Ranges indicate APY differences by region, balance, or relationship status.
What counts as a jumbo CD at Citi?
Typically $100,000 or more. Jumbo terms are labeled and may carry different APYs.
We are not Citibank. This page is for educational purposes only. Rates and terms can change without notice. Always verify details with Citibank before opening an account.
