Home LOGIN Certificates of Deposit Regular and IRA Minimum Opening Deposit $1,000.00 Earns competitive rate of interest Interest rates vary with length of maturity Interest rate and annual percentage yield will not change for the term of the account. Interest will be compounded quarterly and credited quarterly A penalty for withdrawal prior to maturity is required IRA withdrawals prior to age 59 ½ are subject to additional IRS penalties Variable rate IRA certificate is available with opening deposit of $100.00 Home Legal Terms & Agreements Branch & ATM Locations Disclosures Contact Us Privacy ©2021 Citizens Bank Routing #102202078 Citizens Bank on Facebook Citizens Bank on Twitter Citizens Bank on Instagram NMLS 417125