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IRA Rates

Variable Rate Products


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To open a new Banking IRA with Citibank, just download and mail in the application, visit a branch or call us at 1-800-695-5911 (TTY: 711).

Already Applied?

If you’ve already opened your Citibank IRA and linked it to your Citi checking or savings account, you can easily check the rate by viewing your statement.

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Mon-Fri: 8:00 AM to 11:00 PM ET and Sat: 9 AM to 5:30 PM ET

Deposit accounts are provided by Citibank, N.A. Member FDIC. Only bank deposit products are FDIC insured.

  1. Rates on these accounts may change after your account is opened. Fees could reduce earnings.
  2. Rates are determined by the term and, in some instances, the amount deposited into the CD and are fixed for the term of the CD. The Annual Percentage Yield assumes interest remains on deposit until maturity. A fee may be imposed for early withdrawal. A withdrawal will reduce earnings. Product and rate information is accurate as of the date issued and is subject to change at any time.

    Additional account information is contained in the IRA/Keogh/Coverdell Plan Documents, including information about fees, balance computation methods, compounding and crediting of interest, transactional limitations, and contractual terms and conditions.

    All accounts opened on a weekend, or for Certificates of Deposit (CDs) maturing on a weekend, will receive an Interest rate & APY that is effective the next business day.

  3. Principal balance ranges for interest rate calculations are as follows; account balance may not be a factor for all CD terms. Citi may assign the same interest rate to more than one balance range:
    $0 – $9,999.99
    $10,000 – $24,999.99
    $25,000 – $49,999.99
    $50,000 – $99,999.99
    $100,000 – $499,999.99
    $500,000 – $999,999.99
    $1,000,000+
  4. The 18 Month Variable Rate Retirement CD is no longer available for new accounts, including term changes for existing Retirement CD accounts.