Citi CD Rates (November 2026) & Calculator

Citi pays up to 4.25% APY on a 1-year CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.

Rates checked Nov 3, 2026FDIC cert #7213

Deposit Amount

$0$250K

Term

1 year4.25% APY

3 months5 years

Citi offers 19 terms. The slider stops at each one.

APY

Fixed Rate CD (special) · $500 minimum

Value at maturity

$10,425.00

4.25% APY · 1 yr · Citi

Interest earned

$425.00

vs national average

+$249.00

FDIC 1 yr avg 1.76% (Oct 19, 2026)

Ally pays 4.50% for 1 yr: $10,450.00, or $25.00 more.

Citi CD rates (Nov 3, 2026)

Every CD term Citi lists on its website, with what $10,000 earns over the full term.

Citi CD rates by term and balance
Term	Product	Minimum	APY	APY at $100,000+	$10,000 earns
3 months	Fixed Rate CD	$500	0.05%	–	$1.25
4 months	Fixed Rate CD	$500	2.00%	–	$66.23
5 months	Fixed Rate CDSpecial	$500	2.50%	–	$103.42
6 months	Fixed Rate CD	$500	2.00%	–	$99.50
7 months	Fixed Rate CDSpecial	$500	4.00%	4.15%	$231.42
8 months	Fixed Rate CD	$500	2.00%	–	$132.89
9 months	Fixed Rate CD	$500	2.00%	–	$149.63
10 months	Fixed Rate CD	$500	0.05%	–	$4.17
11 months	Fixed Rate CD	$500	0.05%	–	$4.58
1 year	Fixed Rate CDSpecial	$500	4.25%	–	$425.00
13 months	Fixed Rate CD	$500	2.00%	–	$216.85
14 months	Fixed Rate CD	$500	0.10%	–	$11.67
15 months	Fixed Rate CD	$500	2.00%	–	$250.62
18 months	Fixed Rate CD	$500	2.00%	–	$301.50
2 years	Fixed Rate CD	$500	2.00%	–	$404.00
30 months	Fixed Rate CD	$500	0.50%	1.01%	$125.47
3 years	Fixed Rate CD	$500	2.00%	–	$612.08
4 years	Fixed Rate CD	$500	2.00%	–	$824.32
5 years	Fixed Rate CD	$500	2.00%	–	$1,040.81

Special is a promotional rate. Relationship needs a linked account at Citi. A dash means the same APY as the opening balance. The highlighted row is Citi's top rate.

Source: Citi CD rates. Rates change often; confirm before you open an account.

Citi vs the national average

The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 8 other banks we track for the same term.

Citi CD rates compared with the FDIC national average
Term	Citi	National avg	Best other bank
3 months	0.05%	1.14%	Ally 2.90%
4 months	2.00%	1.14% (3 mo)	Wells Fargo 3.50% (relationship)
5 months	2.50%	1.39% (6 mo)	Chase 0.50% (relationship)
6 months	2.00%	1.39%	Ally 4.00%
7 months	4.00%	1.39% (6 mo)	Wells Fargo 4.10% (relationship)
8 months	2.00%	1.39% (6 mo)	Chase 3.50% (relationship)
9 months	2.00%	1.39% (6 mo)	Marcus 4.30%
10 months	0.05%	1.76% (12 mo)	Chase 1.50% (relationship)
11 months	0.05%	1.76% (12 mo)	Capital One 4.50%
1 year	4.25%	1.76%	Ally 4.50%
13 months	2.00%	1.76% (12 mo)	Chase 3.20% (relationship)
14 months	0.10%	1.76% (12 mo)	Chase 0.50% (relationship)
15 months	2.00%	1.76% (12 mo)	Wells Fargo 4.00% (relationship)
18 months	2.00%	1.76% (12 mo)	Ally 4.50%
2 years	2.00%	1.55%	Marcus 4.40%
30 months	0.50%	1.55% (24 mo)	Capital One 3.50%
3 years	2.00%	1.39%	Marcus 4.40%
4 years	2.00%	1.31%	Marcus 4.40%
5 years	2.00%	1.41%	Ally 4.50%

Citi CD early withdrawal penalty

Citi early withdrawal penalty by term
Term	Penalty
1 year or less	90 days of interest
More than 1 year	180 days of interest

Example: $10,000 in a 1-year CD at 4.25%, withdrawn after 6 months, has earned $210.29. The penalty is $102.63, so you would get $10,107.65.

From the Citibank Consumer Deposit Account Agreement (p.27). The penalty can be taken from your principal. Official disclosure (checked 2026-11-04).

How We Calculate & Keep This Accurate

Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following Citi's published rule for that term.

Rates come from Citi's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against Citi's website and disclosures. Results are estimates, not an offer from the bank.

Primary Sources

Data & Freshness

Figures reflect 2026 tax-year data.

Last updated November 3, 2026 · Maintained by the Financial Calculator editorial team.

Citi CD FAQs

Quick answers about Citi CD rates and penalties.

What are Citi's CD rates today?

As of Nov 3, 2026, Citi's highest CD rate is 4.25% APY on the 1 year Fixed Rate CD. The full list of terms and balance tiers is in the table above.

How much will $10,000 earn in a Citi 1 year CD?

At 4.25% APY, $10,000 grows to $10,425.00 after 1 year, earning $425.00 in interest. Change the deposit or term in the calculator to see other amounts.

What is Citi's CD early withdrawal penalty?

1 year or less: 90 days of interest. More than 1 year: 180 days of interest. If the penalty is more than the interest earned, the rest comes out of your principal.

Are Citi CDs insured?

Citibank, N.A. is FDIC-insured (FDIC certificate #7213), so deposits are covered up to $250,000 per depositor, per bank, per ownership category.

How do Citi's rates compare with the national average?

The FDIC's national average for a 12-month CD was 1.76% as of Oct 19, 2026. Citi pays 4.25% for 12 months. Its best rate, 4.25% for 1 year, is 2.49 points above the national average for that term.

CD rates at other banks

Top APY at each bank for a $10,000 deposit.