Citi

Overview / Commentary

online.citi.com

800-374-9700

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.

Citi Increases 12-Month NP CD To 4.05% On 1-25-2023 - 1/26/2023

Citi increased the rate on their 12-month NP CD to 4.05% from 3.40% on 1-25-2023. It appears this rate increase could position Citi in 5th place on Ken’s “No-Penalty CDs” list within the (1-25-2023) Latest Liquid Bank Account Rates blog. The rates on Citi’s other CDs remain the same. Current Citi CD rates include: 3-month CD @ 3.25% (no change) 12-month NP CD @ 4.05% (was 3.40%) 1-year CD @ 4.15% (no change) 18-month CD @ 4.15% (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 in your region, see: https://online.citi.com/US/ag/current-interest-rates/cd https://online.citi.com/US/ag/banking/savings-account

Citi HYSA And CD Rate Changes As Of 11-23-2022 - 11/26/2022

Citi rate changes as of 11-23-2022 include: High Yield Savings Account @ 3.25% (was 3.10%), 3-month CD @ 3.25% (was 0.05%), 12-month NP CD @ 3.10% (no change), 1-year CD @ 4.15% (was 4.00%), 18-month CD @ 4.15% (was 4.00%), The rates that Citi offer vary depending on location. To view the rates in your region see: https://online.citi.com/US/ag/banking/savings-account https://online.citi.com/US/ag/current-interest-rates/cd

Citi - 12-Month No Penalty CD @ 3.10% - 11/1/2022

Up from 2.50% Minimum = $500 https://online.citi.com/US/ag/current-interest-rates/cd/no-penalty-cd

View all posts from:

2023
2022
2021
Earlier

1/26 - Citi Increases 12-Month NP CD To 4.05% On 1-25-2023

11/26 - Citi HYSA And CD Rate Changes As Of 11-23-2022
11/1 - Citi - 12-Month No Penalty CD @ 3.10%
10/20 - Citi CD Rate Changes For 10-18-2022
8/31 - Citi Rate Changes As Of 8-31-2022
6/19 - Citi Drops Overdraft Fees
4/27 - $2500 SAVINGS BONUS

6/12 - Citi Offering 0%Apr On Purchases Made Through Next Spring…Impact On Credit?

Reviews (249)

Accelerate Savings Account Is Great With No Issues

Posted by: jjblue2 | Jan 19, 2023

I've had an Accelerate Savings account for a few years and never had a problem. The interest is almost always the highest out of the big national banks.

I've linked the account to several others I have, and ACH transfers work just fine. I sometimes use my account to pay my Citi credit cards. I've linked to Mint and Personal Capital, it updates regularly with no issues. Citi does not charge excess transaction fees for more than 6 transfers/withdrawals in a month. I did get an ATM card for my account, but I've never needed to use it.

Comment

Caution On Bonus's

Posted by: sheldonagibbs | Dec 11, 2020

Look carefully if you are going after one of their many bonus's After you have satisfied all the requirements, on the $700 bonus, they have up to 90 days to actually credit you with the bonus. I am waiting right now.

Accelerate Savings Locks Up Your Bonus

Posted by: mrshicksbb | Feb 9, 2022

I opened an accelerate savings account with Citi recently for the good APY and welcome bonus. When I think of a savings account, I expect to be able to access my money quickly if necessary. I have since found out that is not the case with this Citi account. They limit transfers back out of the account to $10,000 daily / $15,000 max per month. However, it has been several days since my initial $10,000 money transfer and their online functionality is not allowing me to transfer the balance $5,000. Customer service was extremely unhelpful and said there was nothing they could do. Not to mention that to now move back out all the money in the account to my local bank would take months and months if the system was working. My only other option is a wire transfer which has a fee. Not a fan of having to pay a fee to access my own money. Needless to say I will be paying the wire transfer fee to get my money out of this account and taking it elsewhere where I can access it when I need it.

Stay Away From Citi, Especially Their "Reward" Offers

Posted by: fliegeroh | Oct 28, 2022

Citi promised to pay $300 for depositing money for 60 days. At the end of 60 days, they said it would take 90 more days to get the reward. Called yesterday when the reward didn't arrive. They said they had no record of the offer to me. I said I had an email with the offer saved. They said well "you can write us a letter appealing the decision." I said "no thanks" and closed all my accounts and will NEVER, NEVER, NEVER, deal with Citibank again. They are lying snakes or incompetent morons. Probably both.

VIEW MORE REVIEWS

Health

Data as of Q2 2022

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	7213
Year Established	1812
Employees	186465
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.98%
Return on Equity - YTD	10.09%
Annual Interest Income	$23.81B

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$1,720.3B$1,678.5B
Loans	Q2 2022vs Q2 2021	$635.8B$637.3B
Deposits	Q2 2022vs Q2 2021	$1,353.8B$1,328.5B
Equity Capital	Q2 2022vs Q2 2021	$164.3B$164.4B
Loan Loss Allowance	Q2 2022vs Q2 2021	$14.53B$17.27B
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$4.37B$5.39B
Real Estate Owned	Q2 2022vs Q2 2021	$10.0MM$22.0MM

Rates

Skip to rates for:

Savings
Checking
CD

Report an Issue

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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.40%^†	$1	-	Citi Accelerate Savings

Citi Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.00%^†	-	-	Citigold®
0.00%^†	-	-	Citi Priority

Citi CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.15%^†	$500	-	1 Year CD
4.15%^†	$1k	-	18 Month CD
3.25%^†	$1k	-	3 Month CD
3.10%^†	$500	-	12 Month No Penalty CD
2.00%^†	$1k	-	2 Year CD
2.00%^†	$1k	-	3 Year CD
2.00%^†	$1k	-	4 Year CD
2.00%^†	$1k	-	5 Year CD
1.10%^†	$1k	-	6 Month CD
1.10%^†	$1k	-	9 Month CD
0.10%^†	$1k	-	30 Month CD
0.10%^†	$1k	-	13 Month CD
0.10%^†	$1k	-	14 Month CD
0.10%^†	$1k	-	15 Month CD
0.10%^†	$500	-	30 Month Step Up CD
0.05%^†	$1k	-	4 Month CD
0.05%^†	$1k	-	5 Month CD
0.05%^†	$1k	-	7 Month CD
0.05%^†	$1k	-	8 Month CD
0.05%^†	$1k	-	10 Month CD
0.05%^†	$1k	-	11 Month CD