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First Citizens Bank rates: up to 3.73% APY

bank · FDIC CERT 4433 · www.myfcb.bank/

Savings

ProductTerm / tierRateBasisRecordedHistoryChange
Basic Savings$0.01 0.03%APY2026-11-01 since 2026-11-01
Christmas Club$0.01 0.03%APY2026-11-01 since 2026-11-01
Platinum Savings$9,999.99 and below 0.00%APY2026-11-01 since 2026-11-01
Platinum Savings$10,000–$49,999.99 0.25%APY2026-11-01 since 2026-11-01
Platinum Savings$50,000–$99,999.99 0.35%APY2026-11-01 since 2026-11-01
Platinum Savings$100,000–$249,999.99 1.21%APY2026-11-01 since 2026-11-01
Platinum Savings$250,000–$999,999.99 1.76%APY2026-11-01 since 2026-11-01
Platinum Savings$1,000,000–$1,999,999.99 2.73%APY2026-11-01 since 2026-11-01
Platinum Savings$2,000,000 and $4,999,999.99 3.14%APY2026-11-01 since 2026-11-01
Platinum Savings$5,000,000 and above 3.73%APY2026-11-01 since 2026-11-01
Power Savers$0.01 0.03%APY2026-11-01 since 2026-11-01

CDs

ProductTerm / tierRateBasisRecordedHistoryChange
6-Month TermComparison table of 6-Month Term · $1,000–$4,999.99 3.02%APY2026-11-01 since 2026-11-01
6-Month TermComparison table of 6-Month Term · $5,000–$24,999.99 3.12%APY2026-11-01 since 2026-11-01
6-Month TermComparison table of 6-Month Term · $25,000–$49,999.99 3.23%APY2026-11-01 since 2026-11-01
6-Month TermComparison table of 6-Month Term · $50,000 and above 3.33%APY2026-11-01 since 2026-11-01
12-Month TermComparison table of 12-Month Term · $1,000–$4,999.99 2.98%APY2026-11-01 since 2026-11-01
12-Month TermComparison table of 12-Month Term · $5,000–$24,999.99 3.09%APY2026-11-01 since 2026-11-01
12-Month TermComparison table of 12-Month Term · $25,000–$49,999.99 3.19%APY2026-11-01 since 2026-11-01
12-Month TermComparison table of 12-Month Term · $50,000 and above 3.29%APY2026-11-01 since 2026-11-01
18-Month TermComparison table of 18-Month Term · $1,000–$4,999.99 2.88%APY2026-11-01 since 2026-11-01
18-Month TermComparison table of 18-Month Term · $5,000–$24,999.99 2.98%APY2026-11-01 since 2026-11-01
18-Month TermComparison table of 18-Month Term · $25,000–$49,999.99 3.09%APY2026-11-01 since 2026-11-01
18-Month TermComparison table of 18-Month Term · $50,000 and above 3.19%APY2026-11-01 since 2026-11-01
24-Month TermComparison table of 24-Month Term · $1,000–$4,999.99 2.73%APY2026-11-01 since 2026-11-01
24-Month TermComparison table of 24-Month Term · $5,000–$24,999.99 2.83%APY2026-11-01 since 2026-11-01
24-Month TermComparison table of 24-Month Term · $25,000–$49,999.99 2.93%APY2026-11-01 since 2026-11-01
24-Month TermComparison table of 24-Month Term · $50,000 and above 3.03%APY2026-11-01 since 2026-11-01
36-Month TermComparison table of 36-Month Term · $1,000–$4,999.99 3.24%APY2026-11-01 since 2026-11-01
36-Month TermComparison table of 36-Month Term · $5,000–$24,999.99 3.34%APY2026-11-01 since 2026-11-01
36-Month TermComparison table of 36-Month Term · $25,000–$49,999.99 3.44%APY2026-11-01 since 2026-11-01
36-Month TermComparison table of 36-Month Term · $50,000 and above 3.55%APY2026-11-01 since 2026-11-01
48-Month TermComparison table of 48-Month Term · $1,000–$4,999.99 3.24%APY2026-11-01 since 2026-11-01
48-Month TermComparison table of 48-Month Term · $5,000–$24,999.99 3.34%APY2026-11-01 since 2026-11-01
48-Month TermComparison table of 48-Month Term · $25,000–$49,999.99 3.44%APY2026-11-01 since 2026-11-01
48-Month TermComparison table of 48-Month Term · $50,000 and above 3.55%APY2026-11-01 since 2026-11-01
60-Month TermComparison table of 60-Month Term · $1,000–$4,999.99 3.24%APY2026-11-01 since 2026-11-01
60-Month TermComparison table of 60-Month Term · $5,000–$24,999.99 3.34%APY2026-11-01 since 2026-11-01
60-Month TermComparison table of 60-Month Term · $25,000–$49,999.99 3.44%APY2026-11-01 since 2026-11-01
60-Month TermComparison table of 60-Month Term · $50,000 and above 3.55%APY2026-11-01 since 2026-11-01

Checking

ProductTerm / tierRateBasisRecordedHistoryChange
Checking Plus$1,500.00 0.02%APY2026-11-01 since 2026-11-01

Sources and evidence

PageLast capturedLast resultDigest
www.myfcb.bank/personal-cds.html2026-11-01 19:24 UTC ok173b1170bf75
www.myfcb.bank/deposit-rates.html2026-11-01 19:24 UTC oka49051a92051
www.myfcb.bank/basic-savings.html2026-11-01 19:53 UTC ok2ab857e86cf1