Term Length APY Minimum Deposit 3 months $500 4 months $500 5 months Up to $500 6 months Up to $500 7 months Up to $500 8 months Up to $500 9 months $500 10 months $500 11 months $500 1 year $500 13 months $500 14 months $500 15 months $500 18 months $500 2 years $500 30 months Up to $500 3 years $500 4 years $500 5 years $500 APYs are accurate as of March 18, 2026. Citi CD Rates FAQ Here are answers to some frequently asked questions about Citi CD rates and more. If you withdraw funds before your CD's maturity, you'll face a penalty: CDs of 1 year or less: 90 days of simple interest CDs over 1 year: 180 days of simple interest The No Penalty CD is only penalty-free after the first six days.