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.

With real estate market fluctuations and uncertainty in the stock market, it makes sense for people to start thinking about certificates of deposit as a more stable place to place some of their investment money.  However, with so many bank CD rates to choose from, those of us here at  CD Interest Rates Info thought it would be good to establish this site to assist you in finding some of the best CD rates available.

There are many factors to consider when searching for great CD rates:

• The Term: The CD term is the length of time that your money is required to stay in the certificate of deposit.  This is important, as many bank CDs will charge you an early withdrawal penalty if you withdraw money from your CD before the end of the term.

• The Minimum Deposit: The minimum deposit is the smallest amount of money that you can have to open the certificate of deposit.  These typically range from $500 to $100,000.  Often times, CDs with a high minimum deposits will also have high CD interest rates.

• The CD Interest Rate: This is where many people focus when comparing CD rates, and it is certainly important.  This tells you the amount of money that the bank will pay you for depositing your money into the CD account.

• FDIC Insured: One of the biggest selling points for the stability of CDs in the United States is that most of them under $100,000 are insured by the FDIC.  However, you will want to confirm that with the bank before depositing your money with them.

We will be reviewing CD rates in locations all across the U.S.A. to help you find the best CD interest rates.  Please visit the site often, as we will be updating periodically.