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Hãy viết đoạn tóm tắt về nội dung bằng tiếng việt kích thích người mua: Citi CD Rates for October 2023

Citi offers three types of certificates of deposit, which rival the best CD rates offered right now. But not all of its terms have competitive annual percentage yields, or APYs. Many are well-below the national average, as tracked by the Federal Deposit Insurance Corporation.

You’ll also need at least $500 to open a CD with Citi. And its early withdrawal penalty ranges from 90 to 180 days of interest, depending on the term. 

But if you already bank with Citi or live near a branch, choosing one of Citi’s CDs with a high promotional rate can help you yield more interest on your savings while having access to in-person customer assistance. 

Citi CDs: At a glance

Citi’s CD rates

Citi offers featured rates for three of its fixed-rate CDs — nine-, 11- and 15-month CDs. Rates for other fixed-rate CDs fall between 0.05% and 2.50%, depending on the term. Speciality CDs, including step-up and no-penalty CDs, are also available. All CDs require a minimum $500 deposit. 

Rates for some fixed-rate CD terms have balance ranges that may yield more interest if you deposit a higher amount. For example, Citi’s 15-month CD offers a 4.30% APY on balances below $100,000, but 4.75% on balances over this amount. 

Fixed-rate CDs

Step-up CD

Citi offers one step-up CD with a 30-month term that earns a composite APY of 0.10%. During months 1 through 10, it earns 0.5% APY, then 0.10% APY during months 11 through 20 and 0.15% APY during months 21 through 30.

No-penalty CD

Citi offers a 12-month no-penalty CD, which allows you to withdraw your money before the term ends free of charge. You will have to leave your money in the CD for at least the first six days after opening your account, however; otherwise Citi will charge an early withdrawal fee.

How much can you earn with Citi CDs? 

The following table shows how much interest you can earn across a variety of Citi CDs if you invest $1,000 in a CD that compounds monthly.

How do Citi’s CD rates compare?

Citi offers a few competitive CD terms, but you can find higher rates elsewhere. Here’s a quick look at how Citi compares to Chase, Synchrony and Marcus by Goldman Sachs:

Additional savings options at Citi

Citi has a high-yield savings account that offers 4.35% APY on your savings in select zip codes, which is on par with other high-yield savings accounts. However, there are a few requirements to note. Citi charges a $4.50 monthly service fee, but it’s waived for your first month and the first three months after accounting option. You can waive it moving forward if you have a Citi checking account or maintain a $500 average monthly balance. If you qualify for a Citi relationship tier (the lowest tier requires a monthly balance of $30,000), you won’t have to worry about a monthly fee. Lastly, you may not qualify for this rate, depending on where you live.

If you’re not sure if you want to lock up your money for a set term, a high-yield savings account may make more sense. If you don’t qualify for Citi’s high-yield savings account, there are other banks offering similar or higher APYs.

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