First Citizens' rates: up to 0.75% APY
credit union · NCUA CHARTER 24254 · www.firstcitizens.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings Account | $0 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Statement Savings | $100 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Savings | $100 | 0.15% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Term Certificates & IRAs | 3 Months · $500 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Term Certificates & IRAs | 6 Months · $500 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Term Certificates & IRAs | 1 Year · $500 | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Term Certificates & IRAs | 18 months · $500 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Term Certificates & IRAs | 2 year · $500 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Term Certificates & IRAs | 3 Years · $500 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Term Certificates & IRAs | 4 Years · $500 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Term Certificates & IRAs | 5 Year · $500 | 0.75% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking Account | $1.00 or more but less than $10,000.00 · n/a | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $10,000.00 or more but less than $25,000.00 · n/a | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $25,000.00 or more but less than $50,000.00 · n/a | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $50,000.00 or more but less than $75,000.00 · n/a | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $75,000.00 or more | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Relationship Checking | $500 | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.firstcitizens.org/rates | 2026-11-02 01:12 UTC | ok | 2ef5b7006bac |