Citizens Bank is an affiliate of the Royal Bank of Scotland, and Citizens Bank operates branches in 13 states in the United States.  We decided to check out the current Citizens Bank CD Rates to see how their CD interest rates compare to the best bank CD rates that we have reviewed.

CD rates at Citizens Bank vary depending on whether you are a standard banking customer, or are a member of their Circle or Gold Circle banking services.  The highest CD rates are available to Citizens Gold Circle customers, so we will focus on those products here.

The Citizens Bank 6 month CD returns an Annual Percentage Yield (APY) of 3.50 percent.  Also, the Citizens Bank 5 year CD returns an Annual Percentage Yield (APY) of 4.00 percent.  You can open a certificate of deposit at Citizens Bank for as little as $1,000 as a minimum deposit.

So, whether you are looking for a short term CD or a long term CD, be sure to take a look at the Citizens CD rates available in your area.  Take a look at the Citizens Bank online banking site for more information, because interest rates and other contractual terms can change with time and vary by geographic location.