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Banking, Credit Cards, Financial Advice & Investing


Citizens Student Loans


Up to $1,000 off a refinance loan2




Transfer money across the world



The Motley Fool

55% savings on the Motley Fool's Stock Picker


Capital One Savor


3% cash back on dining, entertainment, & groceries



My Auto Loan

One simple application and lenders will compete for your loan  


United Professional Advisors


Discounted group rates on life, disability, disability & long term care



Consumer Credit Counseling

Waiver of CCCS' $25 set-up fee


ID Theft Assist


$8 monthly ID theft and credit protection for the entire family



Real Estate


Thousands in cash back for buyers & sellers




Expert advice and up to 5% cash back





Personal loans to help you get one step ahead




Get personalized loans offers plus a $100 bonus



Marcus Savings by Goldman Sachs


Online savings accounts with the highest APR


Marcus No-Fee, Fixed-Rate Personal Loans


By Goldman Sachs



Premium Mortgage


Free pre-approval, free credit report, and cash back at closing


Tier One Mortgage


Over $1,500 in savings up front on application & underwriting





A $500 credit at closing & a Citizens relationship pricing discount


Provident Funding


Save up to $5,000 with 0.25% closing cost discount



Turbo Tax


Get $20 - $30 off TurboTax packages &  start Federal for free


Tax Slayer


Save 35% on your Federal Return - your refund is waiting



Lending Tree


Great loans, great rates.  Call toll free, 855-218-6275


Citizens One Student Loans


Up to $1,000 off a refinance loan or $500 off a new student loan

(855) 218-6275  



Blooom Financial


Get $15 off your annual membership




Start investing in real estate with as little as $500



National Debt Relief


Be debt free in 24-48 months with no up front fees


Own X


Gold & silver investment - save up to 33% on fees





Refinance your student loan and save thousands + $100 bonus




A $400 bonus for refinancing a student loan






As a leader in student lending with more than 40 years’ experience, Citizens helps families fund the college dream or refinance education loans. Whether you’re looking to lower your student loan rates, lower your monthly payment or pay off your loans faster, this program could help make paying for school easier and more affordable.


About the Offer:


  • As a My Better Benefits member, you or a family member are eligible to receive a principal credit reduction for 1% of your loan amount up to $10001 on an Education Refinance Loan, an Education Refinance Loan for Parents or a Medical Residency Education Refinance Loan.   

    In addition members could save up to 0.50% interest rate reduction with Loyalty and Automatic Payment discounts.2

With no application, origination or disbursement or pre-payment penalty fees, the Citizens Education Refinance Loan program could help you to:

  • Lower your monthly payment to put more money back in your monthly budget
  • Lower your interest rate if you’re paying higher rates on old student loans
  • Pay off your loans faster by paying more towards your principal balance
  • Lock in a fixed-rate loan


Members could see their rate and potential savings in minutes, with no impact to their credit score.3


Student Lending Specialists at Citizens are available to talk with you about your specific circumstances and existing loans.

For more information on this benefit and to apply click here




When is the right time to refi?

Private student loan refinance rates are still low. Depending on your unique financial situation, it might be a good idea to review your student loans and consider your options.

Whether you have federal student loans, private student loans or both, consider refinancing part or all of your student loan debt. We recommend that all borrowers with federal student loan debt carefully consider their options before refinancing with a private student loan.

If you have private student loans in your portfolio, you might consider refinancing those now to take advantage of today’s low rates. For more details and to apply, please select the Apply Now button below or call 1-888-411-2389 to speak with a Citizens Student Lending Advisor who is dedicated to helping you find solutions tailored to your needs.



1  To qualify for the principal balance reduction, the borrower or co-signer (if applicable) must have applied, be approved, and disburse a Citizens Education Refinance Loan, Education Refinance Loan for Parents, Student Loan, Student Loan for Parents, Bar Study Loan, or Medical Residency Loan through the employer’s or partner’s dedicated Citizens website. The principal balance reduction will be calculated as 1% of the amount financed with a maximum of $1,000 for the Education Refinance Loan and Education Refinance Loan for Parents, a minimum of $50/maximum of $500 for the Student Loan or Student Loan for Parents, a minimum of $50/maximum of $160 for the Bar Study Loan, and a minimum of $50/maximum of $200 for the Medical Residency Loan. The loan must be in good standing at the time the Principal Balance Reduction Benefit is applied. Only one Principal Balance Reduction Benefit is allowed per primary borrower for the Citizens Education Refinance Loan and Education Refinance Loan for Parents or per loan for the Citizens Student Loan, Student Loan for Parents, Bar Study Loan, and the Medical Residency Loan. Principal balance reduction will be applied with an effective date equal to the loan’s first disbursement date. Principal balance reduction may take up to the second month following the loan’s final disbursement date to be applied and may be reduced if the loan amount is reduced or cancelled. The Principal Balance Reduction Benefit will be processed as a reduction of the loan’s principal balance and will not impact the required monthly payment. The borrower is solely responsible for any taxes that may be owed as a result of the principal balance reduction earned. A tax advisor should be consulted. Citizens Bank, N.A. does not provide tax advice. Offer cannot be combined with other promotions, discounts or offers – automatic payment and loyalty discounts excluded. Citizens reserves the right to modify these terms or cancel this offer at any point in the future for new applications.


2  Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.


Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.


3  Get Started: Get my RATE: Selecting "Get Started" only requires a "soft credit pull" which does not affect your credit score. Submitting a full application will result in an inquiry on your credit report.




Wireless Charges: Wireless carrier, text, and/or data charges may apply.

Copyright 2022 Citizens Financial Group, Inc. All rights reserved.

Citizens is a brand name of Citizens Bank, N.A.







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my Better Benefits

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