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Ally vs Citi CD Rates (November 2026)
On a 1-year CD, $10,000 earns $25.00 more at Ally than at Citi. The full term-by-term breakdown is below.
Updated Nov 7, 2026
The verdict: Ally vs Citi
Ally pays the higher APY on 7 of the 7 terms both banks offer for a $10,000 deposit. Citi leads on 0.
At the headline 1 year term, Ally pays 4.50% APY against 4.25% at Citi, a $25.00 difference on $10,000. Each bank's best offer right now: Ally pays up to 4.50% (1 year) and Citi up to 4.25% (1 year).
The rate is only half the decision. Ally and Citi charge different penalties if you break the CD early — compared below — and Both are federally insured up to $250,000 per depositor, so safety is equal under the limit.
Ally vs Citi CD rates by term
Best APY a $10,000 deposit can open at each bank, for every term either bank lists. A dash means the bank has no fundable offer at that term and deposit; we leave it blank rather than guess. "Rel." marks a relationship rate that needs a linked account.
| Term | Ally | Citi | Better pick |
|---|---|---|---|
| 3 months | 2.90% | 0.05% | Ally |
| 4 months | – | 2.00% | – |
| 5 months | – | 2.50% | – |
| 6 months | 4.00% | 2.00% | Ally |
| 7 months | – | 4.00% | – |
| 8 months | – | 2.00% | – |
| 9 months | 4.15% | 2.00% | Ally |
| 10 months | – | 0.05% | – |
| 11 months | – | 0.05% | – |
| 1 year | 4.50% | 4.25% | Ally |
| 13 months | – | 2.00% | – |
| 14 months | – | 0.10% | – |
| 15 months | – | 2.00% | – |
| 18 months | 4.50% | 2.00% | Ally |
| 2 years | – | 2.00% | – |
| 30 months | – | 0.50% | – |
| 3 years | 4.25% | 2.00% | Ally |
| 4 years | – | 2.00% | – |
| 5 years | 4.50% | 2.00% | Ally |
Sources: Ally CD rates (checked Nov 7, 2026) and Citi CD rates (checked Nov 6, 2026).
What $10,000 earns at each bank
Interest over the full term at the rates above, on the 7 terms both banks offer.
| Term | Ally earns | Citi earns | Difference |
|---|---|---|---|
| 3 months | $71.72 at 2.90% | $1.25 at 0.05% | Ally +$70.47 |
| 6 months | $198.04 at 4.00% | $99.50 at 2.00% | Ally +$98.53 |
| 9 months | $309.66 at 4.15% | $149.63 at 2.00% | Ally +$160.03 |
| 1 year | $450.00 at 4.50% | $425.00 at 4.25% | Ally +$25.00 |
| 18 months | $682.54 at 4.50% | $301.50 at 2.00% | Ally +$381.04 |
| 3 years | $1,329.96 at 4.25% | $612.08 at 2.00% | Ally +$717.88 |
| 5 years | $2,461.82 at 4.50% | $1,040.81 at 2.00% | Ally +$1,421.01 |
a 1-year CD earnings by deposit size
Balance tiers mean the APY can change with the deposit. This is what 1 year CDs pay at four deposit sizes.
| Deposit | Ally earns | Citi earns |
|---|---|---|
| $1,000 | $45.00 at 4.50% | $42.50 at 4.25% |
| $10,000 | $450.00 at 4.50% | $425.00 at 4.25% |
| $25,000 | $1,125.00 at 4.50% | $1,062.50 at 4.25% |
| $100,000 | $4,500.00 at 4.50% | $4,250.00 at 4.25% |
A dash means that deposit does not qualify for the bank's 1 year offer (minimum opening deposit or a product cap).
Early withdrawal penalties compared
| Term | Ally | Citi |
|---|---|---|
| Less than 3 months | 30 days of interest | – |
| 3 to 24 months | 60 days of interest | – |
| 25 to 36 months | 90 days of interest | – |
| 37 to 48 months | 120 days of interest | – |
| 49 months or longer | 150 days of interest | – |
| 1 year or less | – | 90 days of interest |
| More than 1 year | – | 180 days of interest |
Example: break a 1-year $10,000 CD after 6 months and Ally charges $72.36 (you keep $10,150.16) while Citi charges $102.63 (you keep $10,107.65). At Ally the penalty can reach your principal. At Citi the penalty can reach your principal.
Rules verified against each bank's disclosure (Ally: checked 2026-11-04; Citi: checked 2026-11-04). Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.
Ally vs Citi CD FAQs
Quick answers comparing Ally and Citi CDs.
Which pays more, Ally or Citi?
How much more does $10,000 earn at Ally over 1 year?
Ally or Citi: which is better for a 5-year CD?
Which has the lower early withdrawal penalty, Ally or Citi?
Are Ally and Citi CDs insured?
Are these the best CD rates available?
Sources and how we calculate
Rates come from each bank's own rate page (Ally checked Nov 7, 2026, Citi checked Nov 6, 2026); penalty rules are verified against the banks' disclosures. Earnings grow the deposit at the APY, the same math the bank pages and calculators on this site use. Results are estimates, not an offer from either bank.
Figures last checked on Nov 7, 2026. Read our calculation methodology for data sources and update schedule.