First Citizens Bank rates: up to 4.00% APY
bank · www.firstcitizens.com
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Online Savings Account | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| CD Terms | 3 to 5 months | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| CD Terms | 6 to 11 months | 2.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Online Promotional CD | 5 months · $5,000–$250,000 · promo | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Online Promotional CD | 11 months · $5,000–$250,000 · promo | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| CD Terms | 12 months | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| CD Terms | 18 months | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| CD Terms | 2 years | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| CD Terms | 3 years | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| CD Terms | 4 years | 0.15% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $0 to $999 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $1,000 to $9,999 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $10,000 to $24,999 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $25,000 to $49,999 | 0.07% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000 to $99,999 | 0.07% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000 to $499,999 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $500,000+ | 0.15% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.firstcitizens.com/personal/savings/certificates-of-deposit | 2026-11-01 12:12 UTC | ok | 43060ee3175f |
| www.firstcitizens.com/personal/savings/money-market-account | 2026-11-01 12:12 UTC | ok | f517fd236057 |
| www.firstcitizens.com/personal/savings/online-savings-account | 2026-11-01 12:12 UTC | ok | 97c0ceaa0cc1 |