Overview / Commentary
388 Greenwich St.
New York, NY 10013

Citibank serves clients across the full spectrum of consumer banking needs. Citibank serves as a trusted advisor to its retail, wealth management and small business clients at every stage of their financial journey.

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Citibank, N.A. (NY) Brokered CD Rates As Of 4/22/24 - 4/22/2024

Citibank brokered CD rates as of 4/22/2024: 6-month @ 5.30% (at maturity) 9-month @ 5.25% (at maturity) 12-month @ 5.15% (at maturity) 24-month @ 5.00% (semi-annual) Settlement dates 5/3/24. These are all available for purchase on 4/22 at Charles Schwab brokerage.

Citi lowers 3 CD rates & increases 1 CD rate - 12/20/2023

Here is a partial list of Citi CD rates (APY) as of 12-20-2023: 7-month CD @ 5.25% (was 0.05%) 9-month CD @ 4.00% (no change) 11-month CD @ 0.05% (was 5.25%) 11-month CD @ 0.05% (was 5.65%) 12-month CD @ 3.00% (was 4.00%) 12-month CD @ 4.00% (no change) The rates that Citi offers vary by location. The rates listed above were based on the location of Citigroup headquarters at 388 Greenwich St., New York, NY 10013. To view the rates of all Citi CDs in your region, see:

Citi CD Rate Changes As Of 10-31-2023 - 10/31/2023

Here is a partial list of Citi CD rates (APY) as of 10-31-2023: 9-month CD @ 4.30% (no change) 11-month CD @ 5.25% (was 5.05%) 11-month CD @ 5.65% (was 5.05%) 12-month CD @ 4.30% (no change) 15-month CD @ 4.30% (no change) 15-month CD @ 4.75% (no change) The rates that Citi offers vary by location. The rates listed above were based on the location of Citigroup headquarters at 388 Greenwich St., New York, NY 10013. To view the rates of all Citi CDs in your region, see:

View all posts from:

6/12/21 - Citi Offering 0%Apr On Purchases Made Through Next Spring…Impact On Credit?
12/15/20 - Citi Accelerate Savings Drops To 0.50% APY
8/18/20 - Business Account: Up To $2,000 For Up To $200K For 60 Days
4/13/20 - Citibank Unresponsive
1/30/20 - Citi - Offers Cash Bonus For New Checking/Savings Accounts
12/12/19 - Citi Accelerate Savings @2.05% APY Is NOT Available In FL
12/11/18 - Earn Up To $600 When Opening A Checking And Savings Acct.
4/17/18 - Citi Offering A 2% APY 13 Mo CD, $25K Minimum
4/6/18 - New 1.35% APY 3 Mo Savings Acct Promo
1/25/18 - Florida Citibank 30 Mo CD Special Is 1.51% APY, $10K Min
11/18/16 - $300 Citibank Checking Account Bonus
6/15/16 - $400 Checking Bonus After 120 Days, Through 8/31/16
1/24/16 - CREDIT CARD
10/30/14 - What You Can Do About The Rising Citibank Checking Account Fees
10/21/14 - Citi’s “Secure Message Center” Sends Online Message To Wrong Person
10/14/14 - Citi Pulls Consumer Banks From 11 Markets
9/29/14 - Is Citibank's New Checking Account Worth A Look?
4/9/14 - Citigroup To Pay $1.13 Billion To Settle Securities Claims
3/21/14 - Citibank To Raise Out-Of-Network ATM Fees
3/3/14 - Citigroup Discloses Money-Laundering Subpoenas
2/12/14 - $125 + $125 For New Citibank Account
1/24/14 - Citibank’s ATM Experience Takes On A New Look
8/30/13 - Citigroup Said To Seek Sale Of 50 Texas Branches In Rural Areas
7/9/12 - Citibank Aadvantage Bonus Miles For New Ckg
10/17/11 - Citibank Arrests Customers For Trying To Close Accounts
10/4/11 - Now Citibank Reveals It Will Charge Customers $20 If They Have Too Low An Account Balance
10/9/10 - Tax On The CD Opened In 2009 With The Citi Secured Credit Card
9/22/10 - $250 Prepaid Gift Card with Citibank Business Checking Account
2/21/10 - This Bank Appears To Be Heading In An Unfriendly Direction

Reviews (297)

I Got My $700-Comment Is From 10/12/21

Posted by: |

Had to call a rep, who seemed annoyed, but she did her job and filed a "dispute" on my behalf which worked. The bonus shoukld have been paid in Sep but wasn't.

My question is, can I now bring my 50K back so I can get an actual interest rate without penalty? Or will this threaten the bonus. Anyone know? I really no longer see a use for this account. .1% interest has been getting me $4 a month interest. But i don't want get into a monthly fee situation. So can I just zero out the account?


They Play Hard Game

Posted by: |

Opened a 5.65% APY CD for 11 months.

The online process was smooth. They were able to literally suck the money off my bank via manual router and account number connection (no need for small deposits needed OR logging into my bank account). The CD was funded immediately. So, it was a smooth process. However, the fact they didn't allow for an outside bank to link with the account should have been a warning sign to me.

The problems I encountered are as follows:
1. They WILL NOT link an outside bank to your account. It's impossible.
2. Upon maturity, you either have to pick up the check at the closest branch from your location (good luck with that) OR they will mail it to you (if you have a large amount, you will lose sleep).
3. Their website does NOT allow you to add beneficiaries. They want you to visit a branch to do it (or they can mail you a form USPS).
4. You have just 7 days grace period to close your account once matured.
5. Their website does not allow for online maturity instructions like other banks. They want you to call them for instructions on how to manage your account on maturity (three months prior to maturity, anything before 3 months will not be considered legit).
6. When opening the CD, they will ask if you like your monthly interest USPS mailed to your home address OR leave in the account. Again, this was too old fashioned for me. Who mails checks these days? Why not ACH to my own bank? It's barbaric and a way for them to keep your money longer.
7. They will endlessly market to you their checking and savings programs.
8. They have no dedicated CD online website. The website you log into is meant for someone who has a checking and/or savings account. It's not friendly to those who simply wants a CD account.

This bank strives VERY HARD to convert their online customers to long term customers by enticing you to bank with their local banks. In doing so, they have instituted marketing gimmicks that really make the customer journey unpleasant and one that is unbecoming of an online bank. Making your beneficiary at their branch, picking up your check at their branch, not allowing for external bank link on their online CD account, these and many more practices are designed to "push" you to their brick and mortar banks and convert you.

Citi “Blocked” My Account

Citibank is unbelievable. So I deposited my settlement check with them last week. First everything was okay but when I tried to log into my account, it wasn’t letting me login so I called and they told me my account was on hold because they have to verify where the check came from so I didn’t worry. 3 days later I got inpatient because the hold was actually stopping me from using ANY money from my account, Not just the settlement that I deposited. So when I called, they told me to have my check issuer call Citibank and have them verify it that way, which I did, my check issuer called and confirmed everything then all of a sudden they told me over the phone that the check did in fact clear and verified! So I’m like “okay what now” now they’re saying that they’re going to try to cancel my account from closing because apparently when they couldn’t verify it at first they was about to close it my account!! So now the want me to wait next week and I should expect a call determining if my account will still be open or closed. And still I can’t access my own money until they call me NEXT WEEK I’m so pissed and confused with this bank.

Citibank Withhold Our Deposit

Posted by: |

In March 2023, we opened a new saving account with Citibank and transferred some money from our account at another bank to our new account at Citibank.

About a week later, we noticed that we could no longer access all our Citibank accounts (including our existing credit card account). We immediately reached out to Citibank trying to find out why. After numerous phone calls with their customer service , which took approximately 7 hours in total as well as countless call transfers and even abrupt hangups, we were finally informed that our new account was under checking by Citibank. They said the reason is that they suspected fraudulence with our new account, since our new Citibank account was under my name and our existing account with the other bank was under the name of my spouse even though we share the same address.

Citibank customer service also told us that they would not restore our new account, but would refund us in the form of cheque within 30 to 60 days. Therefore we waited till mid July 2023, when we still had not received our refund. After that, we reached out to Citibank customer service again. This time, they told us that they would have to wait until July 31, 2023 to close our account, and we should get our refund approximately 2 weeks after that, which should be mid August, 2023.

Yet until Sep 2023, we still had not received our refund. In the meantime, Citibank never tried to contact us, either about verification or update.

So in the end, we filed a complaint through Consumer Financial Protection Bureau, CFPB ( This worked! In about two weeks, we finally received our full refund for Citibank.

I would strongly recommend people use CFPB to get their money back!



Health Grade Components

FDIC Certificate #7213
Year Established1812
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.8%
Return on Equity - YTD8.21%
Annual Interest Income$24.2B
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1,698.9B$1,721.5B
LoansQ1 2024vs Q1 2023$622.4B$614.3B
DepositsQ1 2024vs Q1 2023$1,337B$1,355.3B
Equity CapitalQ1 2024vs Q1 2023$165.9B$167.5B
Loan Loss AllowanceQ1 2024vs Q1 2023$16.53B$15.62B
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$4.84B$4.29B
Real Estate OwnedQ1 2024vs Q1 2023$18MM$16MM
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Always verify rates and promotions with the bank or credit union. We are not Citi; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Citi Savings Account Rates

4.35%$0-Citi Accelerate Savings

Citi CD Rates

4.75%$0-6 Month CD
4.00%$0-15 Month CD
3.75%$0-9 Month CD
3.75%$0-18 Month CD
3.00%*$100k*-1 Year CD
OTHER TIERS: 2.00% $0 - $100k
2.00%$0-2 Year CD
2.00%$0-3 Year CD
2.00%$0-4 Year CD
2.00%$0-5 Year CD
0.10%$0-30 Month CD
0.10%$0-13 Month CD
0.10%$0-14 Month CD
0.10%$0-30 Month Step Up CD
0.05%$0-3 Month CD
0.05%$0-4 Month CD
0.05%$0-5 Month CD
0.05%$0-7 Month CD
0.05%$0-8 Month CD
0.05%$0-10 Month CD
0.05%$0-11 Month CD
0.05%$0-12 Month No Penalty CD


New York Area

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The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.