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Citizens

For information concerning Citizens online bank, please click here .

Phone: 800 922 9999

ACH Number: 241070417

SWIFT Code: CTZIUS33XXX

Citizens is an FDIC insured institution headquartered at 1 Citizens Plz, Providence, RI 02903.
It was founded in 2005 and has approximately $218 billion in assets. Customers can open an account at one of its 863 branches.

Deposit Rates - January 06, 2026

SAVINGS RATES APY MIN
SAV
3.35% $0 Compare
SAV
0.02% $0 Compare
CD RATES APY MIN
5 Mo CD
4.15% $25,000 Compare
6 Mo CD
4.15% $25,000 Compare
10 Mo CD
3.50% $25,000 Compare
18 Mo CD
0.03% $1,000 Compare
MM RATES APY MIN
Money Market
2.75% $25,000 Compare
Money Market
3.00% $250,000 Compare
INT CHECKING RATES APY MIN
0.03% $0




Loan Rates - January 06, 2026

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
15 Year Fixed Conforming
6.11% $2,700.34
30 Year Fixed Conforming
6.82% $2,075.51
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
15 Year Fixed Conforming
6.11% $2,700.34
30 Year Fixed Conforming
6.82% $2,075.51
See Other Mortgage Rates →

Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57957
Date Established 2005
Assets $ 217.97 billion
Loans $ 139.51 billion
Deposits $ 178.75 billion
Capital $ 25.94 billion

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 9.32 billion
Interest-bearing balances $ 7.50 billion
Total securities $ 43.15 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 139.51 billion
Loan loss allowance $ 2.01 billion
Trading account assets $ 948.84 million
Bank premises and fixed assets N.A.
Other real estate owned $ 13.59 million
Goodwill and other intangibles $ 9.57 billion
All other assets $ 14.13 billion
     Total Assets $ 192.03 billion

LIABILITIES
Total deposits $ 178.75 billion
      Interest-bearing deposits $ 137.04 billion
      Deposits held in domestic offices $ 178.75 billion
      % insured (estimated)" 58.23%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 899.44 million
Other borrowed funds $ 14.77 billion
Subordinated debt $ 1,125.00 million
All other liabilities $ 3.80 billionn
      Total Liabilities $ 192.03 billion
      Shareholders’ Equity $ 25.94 billion

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 4.76 billion
Total Interest Expense $ 1,839.23 million
Net interest income $ 2.92 billion
Provision for loan and lease losses $ 317.00 million
Total non interest income $ 1,024.89 million
Total non interest expense $ 2.51 billion
Pre-tax Net Operating Income $ 1,077.19 million


*Should any logos, images or public notes appear on this page,they do so courtesy of Citizens and are not subject to approval of RatesAndInfo.com. RatesAndInfo.com expressly disclaims all responsibility for this content.

Customer Reviews for Citizens (2)

Rated 5.00 stars out of 5 - based on 2 reviews

  • I have accounts at some of these other names where I make a little more, but if I need something (to access my cash or to cover an obligation somewhere), this is the place I go. Great service by phone too. I've been a customer for many years and I will be a customer long after I am done with most of these other banks.

  • Once again, Citizens is most competitive of the quality names (Citizens, Ally, Synchrony, CIT). Best service too.

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Branches

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Your current location is: New York City, NY

Citizens Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Citizens Bank, National Association , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.35%
    14.89x (National Avg. - 0.23%)
    $0
    -
    SCENARIO
    Year Rate
    3.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,675 1,173
    2 51,675 1,731 1,212
    3 53,406 1,789 1,252
    4 55,195 1,849 1,294
    5 57,044 1,911 1,338
    6 58,955 1,975 1,383
    7 60,930 2,041 1,429
    8 62,971 2,110 1,477
    9 65,081 2,180 1,526
    10 67,261 2,253 1,577
    11 69,514 2,329 1,630
    12 71,843 2,407 1,685
    13 74,250 2,487 1,741
    14 76,737 2,571 1,799
    15 79,308 2,657 1,860
    16 81,965 2,746 1,922
    17 84,711 2,838 1,986
    18 87,548 2,933 2,053
    19 90,481 3,031 2,122
    20 93,512 3,133 2,193
    TOTAL $46,645 $32,652
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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