CD ladders are a great way to diversify your portfolio as they are simple to buy and FDIC insured. If you are thinking about utilizing the strategy in order to reap the ultimate financial rewards, a shorter-term commitment such as an 18-month CD would be your best bet. Currently, interest rates are historically low and the Federal Reserve just made the first move to return to normalcy by raising rates. Making a committing to any longer than a 18-month certificate of deposit, may limit your investment potential in the long run. That is why making an 18-month deposit to earn the Citizens Trust Bank best CD rate of .95% APY would be a wise move in setting up your ladder. Also, if you’re new to CD ladders, learn how to do them with this CD ladder spreadsheet.
To earn the competitive 18-month CD rate certain deposit obligations must be met including:
- A minimum investment of $500 is required
- Early withdrawal penalties will apply
- FDIC insured
Citizens Trust Bank has locations in Georgia and Alabama. The financial institution has roots dating back to 1921 and has continued to serve the Metro Atlanta area since that time.
Current Citizens Bank Trust CD Rates
- 6 Month CD Rate – Citizens Bank Trust
- 12 Month CD Rate – Citizens Bank Trust
- 2 Year / 24 Month CD Rate – Citizens Bank Trust
Other Citizens Bank Trust Rates
Other Terms and Conditions may apply. Additionally, rates may have changed since this offer was posted. Please contact the financial institution for the most recent rate updates and to review the terms of the offer.
