Latest Citizens Bank Interest Rates - September 2026

Citizens Bank Interest Rates & Loan Products Overview

Quick Summary: Comprehensive review of benchmark reference lending rates, deposit yields, and financing products at Citizens Bank (CFG):

Featured Rates & Products:

• Deposit Accounts & CDs: Standard One Deposit Checking/Savings earns a baseline of 0.01% APY, standard fixed-term CDs earn 0.03% APY, while featured promotional CD tiers yield up to 3.75% to 4.00% APY on select terms for qualifying Quest and Private Client deposit tiers.
• Mortgage Loans: 30-Year Fixed purchase home loan interest rates start at 7.000% (7.167% APR), offering flexible conventional financing with up to 97% LTV and no prepayment penalties.
• Unsecured & Auto Financing: Direct online consumer auto loans and unsecured personal installment loans are not offered through the standard retail branch portal (consumer lending is concentrated in Home Equity Lines of Credit/HELOCs, Citizens Pay retail point-of-sale financing lines, and student loan refinancing).
• Credit Cards: Consumer credit cards feature variable purchase APRs starting from Prime + margin (approx. 20.74% to 29.99% variable APR) with a standard 25-day grace period.
• Benchmark Index: The reference Citizens Bank Prime Lending Rate is 6.75%.

💡 Financial Tip: Borrowers who set up automated payments from a Citizens checking account can qualify for a 0.125% rate discount on residential mortgages, along with loyalty fee reductions on qualifying home equity lines.