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    Individual Retirement Accounts

    Here you'll find the current interest rates you'll earn for various Citibank accounts. To open an account, download the PDF, then visit a branch or call 1-800-374-9500 (TTY 1-800-788-6775). If you've already opened your account, you can easily check the rate by viewing your statement.

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    Variable Rate ProductsFootnote 1


    Insured Money Market    

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    Balance Amount APY Interest Rate


    18-Month Variable CD    

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    Balance Amount APY Interest Rate


    Day-to-Day SavingsFootnote 2


    Balance Amount APY Interest Rate


    Certificates of DepositFootnote 3


    Certificates of Deposits have different rates depending on your investment term. Select a term to view APY and interest rates.


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    3-Month Interest Rates
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      APY Interest Rate  
    3-month Apply Online for a Citibank account that offers a 3-month certificate of deposit
    4-month Apply Online for a Citibank account that offers a 4-month certificate of deposit
    5-month Apply Online for a Citibank account that offers a 5-month certificate of deposit
    6-month Apply Online for a Citibank account that offers a 6-month certificate of deposit
    7-month Apply Online for a Citibank account that offers a 7-month certificate of deposit
    8-month Apply Online for a Citibank account that offers a 8-month certificate of deposit
    9-month Apply Online for a Citibank account that offers a 9-month certificate of deposit
    10-month Apply Online for a Citibank account that offers a 10-month certificate of deposit
    12-month Apply Online for a Citibank account that offers a 12-month certificate of deposit
    13-month Apply Online for a Citibank account that offers a 13-month certificate of deposit
    18-month Apply Online for a Citibank account that offers a 18-month certificate of deposit
    2-year Apply Online for a Citibank account that offers a 2-year certificate of deposit
    30-month Apply Online for a Citibank account that offers a 30-month certificate of deposit
    3-year Apply Online for a Citibank account that offers a 3-year certificate of deposit
    4-year Apply Online for a Citibank account that offers a 4-year certificate of deposit
    5-year Apply Online for a Citibank account that offers a 5-year certificate of deposit
      APY Interest Rate  
    3-month Apply Online for a Citibank account that offers a 3-month certificate of deposit
    4-month Apply Online for a Citibank account that offers a 4-month certificate of deposit
    5-month Apply Online for a Citibank account that offers a 5-month certificate of deposit
    6-month Apply Online for a Citibank account that offers a 6-month certificate of deposit
    7-month Apply Online for a Citibank account that offers a 7-month certificate of deposit
    8-month Apply Online for a Citibank account that offers a 8-month certificate of deposit
    9-month Apply Online for a Citibank account that offers a 9-month certificate of deposit
    10-month Apply Online for a Citibank account that offers a 10-month certificate of deposit
    12-month Apply Online for a Citibank account that offers a 12-month certificate of deposit
    13-month Apply Online for a Citibank account that offers a 13-month certificate of deposit
    18-month Apply Online for a Citibank account that offers a 18-month certificate of deposit
    2-year Apply Online for a Citibank account that offers a 2-year certificate of deposit
    30-month Apply Online for a Citibank account that offers a 30-month certificate of deposit
    3-year Apply Online for a Citibank account that offers a 3-year certificate of deposit
    4-year Apply Online for a Citibank account that offers a 4-year certificate of deposit
    5-year Apply Online for a Citibank account that offers a 5-year certificate of deposit
      APY Interest Rate  
    3-month Apply Online for a Citibank account that offers a 3-month certificate of deposit
    4-month Apply Online for a Citibank account that offers a 4-month certificate of deposit
    5-month Apply Online for a Citibank account that offers a 5-month certificate of deposit
    6-month Apply Online for a Citibank account that offers a 6-month certificate of deposit
    7-month Apply Online for a Citibank account that offers a 7-month certificate of deposit
    8-month Apply Online for a Citibank account that offers a 8-month certificate of deposit
    9-month Apply Online for a Citibank account that offers a 9-month certificate of deposit
    10-month Apply Online for a Citibank account that offers a 10-month certificate of deposit
    12-month Apply Online for a Citibank account that offers a 12-month certificate of deposit
    13-month Apply Online for a Citibank account that offers a 13-month certificate of deposit
    18-month Apply Online for a Citibank account that offers a 18-month certificate of deposit
    2-year Apply Online for a Citibank account that offers a 2-year certificate of deposit
    30-month Apply Online for a Citibank account that offers a 30-month certificate of deposit
    3-year Apply Online for a Citibank account that offers a 3-year certificate of deposit
    4-year Apply Online for a Citibank account that offers a 4-year certificate of deposit
    5-year Apply Online for a Citibank account that offers a 5-year certificate of deposit
      APY Interest Rate  
    3-month Apply Online for a Citibank account that offers a 3-month certificate of deposit
    4-month Apply Online for a Citibank account that offers a 4-month certificate of deposit
    5-month Apply Online for a Citibank account that offers a 5-month certificate of deposit
    6-month Apply Online for a Citibank account that offers a 6-month certificate of deposit
    7-month Apply Online for a Citibank account that offers a 7-month certificate of deposit
    8-month Apply Online for a Citibank account that offers a 8-month certificate of deposit
    9-month Apply Online for a Citibank account that offers a 9-month certificate of deposit
    10-month Apply Online for a Citibank account that offers a 10-month certificate of deposit
    12-month Apply Online for a Citibank account that offers a 12-month certificate of deposit
    13-month Apply Online for a Citibank account that offers a 13-month certificate of deposit
    18-month Apply Online for a Citibank account that offers a 18-month certificate of deposit
    2-year Apply Online for a Citibank account that offers a 2-year certificate of deposit
    30-month Apply Online for a Citibank account that offers a 30-month certificate of deposit
    3-year Apply Online for a Citibank account that offers a 3-year certificate of deposit
    4-year Apply Online for a Citibank account that offers a 4-year certificate of deposit
    5-year Apply Online for a Citibank account that offers a 5-year certificate of deposit
      APY Interest Rate  
    3-month Apply Online for a Citibank account that offers a 3-month certificate of deposit
    4-month Apply Online for a Citibank account that offers a 4-month certificate of deposit
    5-month Apply Online for a Citibank account that offers a 5-month certificate of deposit
    6-month Apply Online for a Citibank account that offers a 6-month certificate of deposit
    7-month Apply Online for a Citibank account that offers a 7-month certificate of deposit
    8-month Apply Online for a Citibank account that offers a 8-month certificate of deposit
    9-month Apply Online for a Citibank account that offers a 9-month certificate of deposit
    10-month Apply Online for a Citibank account that offers a 10-month certificate of deposit
    12-month Apply Online for a Citibank account that offers a 12-month certificate of deposit
    13-month Apply Online for a Citibank account that offers a 13-month certificate of deposit
    18-month Apply Online for a Citibank account that offers a 18-month certificate of deposit
    2-year Apply Online for a Citibank account that offers a 2-year certificate of deposit
    30-month Apply Online for a Citibank account that offers a 30-month certificate of deposit
    3-year Apply Online for a Citibank account that offers a 3-year certificate of deposit
    4-year Apply Online for a Citibank account that offers a 4-year certificate of deposit
    5-year Apply Online for a Citibank account that offers a 5-year certificate of deposit

    You are viewing Rates and Terms & Conditions applicable to a state other than where you live. These Rates and Terms & Conditions may differ from those applicable to your state of residence and will not apply to new accounts you open online. When you open your new account online, Rates and Terms & Conditions will be determined by your state of residence.

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