CFGCommercial Bank
Latest Citizens Bank Interest Rates - September 2026
Citizens Bank, N.A. (CFG)
1-Year CD: 3.25% Mortgage APR: 6.88% Prime Rate: 6.75%
Interest Rate Summary
Citizens Bank Interest Rates & Loan Products Overview
Quick Summary: Comprehensive review of current retail banking interest rates and consumer financing products offered by Citizens Bank, N.A. (CFG):
Key Benchmark & Deposit Rates:
- Reference Prime Rate: Standing at 6.75%, indexing floating-rate lending products, variable home equity lines of credit (HELOC), and revolving card facilities.
- Savings & CDs: Standard One Deposit Savings earns 0.01% APY, while Quest Money Market yields up to 3.50% APY with preferred relationship balances. Online and featured term CDs (including digital Citizens Access offerings) feature competitive fixed yields including 4.00% APY (8-month), 3.25% APY (12-month), and 3.00% APY (24-month).
Consumer Loans & Retail Financing:
- Mortgage Loans: Standard 30-Year Fixed purchase mortgage rates start from 6.875% (approx. 6.994% APR), alongside 15-Year Fixed and ARM financing options with loan terms up to 30 years, zero prepayment penalties, and rate discounts via the CitizensPlus relationship program.
- Personal Loans: Unsecured installment personal loans range from 7.99% to 23.99% APR for borrowing amounts up to $50,000 with repayment terms from 36 to 84 months and no application or origination fees.
- Auto Loans: Citizens originates automobile financing primarily through its indirect authorized auto dealership network across the Eastern and Midwestern United States rather than direct consumer online origination.
- Credit Cards: Consumer credit cards (e.g., Citizens Cash Back Plus World Mastercard and Summit Reserve) feature variable purchase APRs starting at 19.49% (scaling to 28.49% depending on creditworthiness) with a 25-day grace period.
💡 Financial Tip: Deposit APYs and mortgage rates can vary based on regional branch market, ZIP code, and relationship tiering under the CitizensPlus program. Confirm real-time quotes directly at CitizensBank.com prior to applying.
CD & Savings Interest Rates - CFG
Unit: %/year| Term / Maturity | Branch APY | Online / Digital APY 📱 |
|---|---|---|
| Standard Savings | 0.01% | 0.01% |
| 1 Month | - | 0% |
| 3 Months | 3.75% | 3.75% |
| 6 Months | - | 0% |
| 12 Months (Benchmark ⭐) | 3.25% | 3.25% |
| 24 Months | 3% | 3% |
| 36 Months | 2.75% | 2.75% |
Featured Loan Products - CFG
Loan Guide & Terms →mortgageCFG
6.88% /yr
- • Promo period: 12 months
- • Max loan term: 30 years
- • Max borrowing limit: 80% of value
- • Formula: SOFR + margin
auto loanCFG
7% /yr
- • Max loan term: 8 years
- • Max borrowing limit: 80% of value
personal loanCFG
7.99% /yr
- • Max loan term: 5 years
student loanCFG
6.5% /yr
- • Max loan term: 15 years
Advanced Loan Calculator
Calculate Loan Payments for Citizens Bank
Simulate monthly principal and interest payments at 6.88%/yr APR for CFG with detailed amortization schedule and Excel export.
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