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Certificates of Deposit

Competitive rates and flexible terms are the perfect way to even out the volatility of a changing market. Our CDs offer a guaranteed rate of return with maturities ranging from a number of days to several years.

Most CDs automatically renew for your safety and convenience. All CDs are subject to interest penalties for early withdrawal. Certificates of Deposit are covered by FDIC insurance.

  • Minimum deposit of $1000.00 required.

Certificates of Deposit Interest Rates (Effective Date 08-17-2010)

TermAnnual Percentage YieldInterest Rate
30 day.25%.25%
90 day.40%.40%
180 day.65%.65%
12 month.90%.90%
18 month1.15%1.15%
24 month1.15%1.15%
30 month1.15%1.15%

**Rates are subject to change.

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The Citizens Bank of Philadelphia is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts as well as certain eligible NOW accounts which earn .25% annual interest or less are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

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