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Certificates of Deposit

If your business won’t need access to a pool of money for a while, consider opening a Certificate of Deposit (commonly known as a “CD”) CDs typically pay the highest rate of interest on deposit accounts. Our certificates are designed around your business with a variety of terms and rates based on what works best for you and your company.

Most CDs require only $500 to open, however, there is a substantial penalty for early withdrawal.

When you open a CD with Citizens Bank, you’ll get the additional benefit of our Certificate of Deposit Account Registry Service (CDARS). It guarantees that your entire deposit, no matter how large, is eligible for FDIC protection.

Contact us to open your Certificate of Deposit account or to inquire about current rates.

Municipal (Public Funds) Accounts are also available with special terms. For more information on these accounts, please contact us.