First Citizens Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

Today's 12-month CD rates can be found at 4.09%, 6-month CD rates at 4.00% and 3-month CD rates at 0.05%. Current savings rates are at 0.10% and money market rates are at 0.85%. Mortgage rates today on 30-year fixed loans are around 6.28%. Credit Card rates are at 11.50%. Personal Loan rates are at 8.99%. All these rates, and more, can be found in our database of rates. First Citizens Bank's 60-Month CD rates are at 0.15%, 48-Month CD rates are at 0.15%, 36-Month CD rates are at 0.05%, 24-Month CD rates are at 0.05%, 18-Month CD rates are at 0.02%. First Citizens Bank's savings rates are at 0.10%. First Citizens Bank's money market rates are at 0.05%.

First Citizens Bank

To see how these rates compare to First Citizens Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from First Citizens Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with First Citizens Bank CD rates. You can also compare First Citizens Bank savings rates, MMA rates and mortgage rates using our other rate lists.

First Citizens Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Citizens Bank? Share your experience about First Citizens Bank by leaving a review below, or read customer reviews before you decide to use First Citizens Bank.

First Citizens Bank Texas Ratio

First Citizens Bank's Texas Ratio is at 5.41%, which is considered excellent. The Texas Ratio for First Citizens Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, First Citizens Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate

APY/APR

vs Avg

12-Month CD

0.01%

2.52%

18-Month CD

0.02%

2.27%

24-Month CD

0.05%

2.25%

36-Month CD

0.05%

2.18%

48-Month CD

0.15%

2.14%

60-Month CD

0.15%

2.26%

Savings

0.10%

0.62%

MMA

0.05%

0.80%

30-Year Fixed

N/A

6.51%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

First Citizens Bank

239 Fayetteville St
Raleigh, NC 27601

https://www.firstcitizens.com

MonitorBankRates' Rating

5/5

★★★★★

Review First Citizens Bank

First Citizens Bank CD Rates and Interest Rates

First Citizens Bank

48-Month CD

0.15%

$500

First Citizens Bank

60-Month CD

0.15%

$500

First Citizens Bank

Online Savings

0.10%

$50

First Citizens Bank

24-Month CD

0.05%

$500

First Citizens Bank

36-Month CD

0.05%

$500

First Citizens Bank

Money Market

0.05%

$500

First Citizens Bank

18-Month CD

0.02%

$500

First Citizens Bank

12-Month CD

0.01%

$500

First Citizens Bank

6-Month CD

0.01%

$500

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare First Citizens Bank Rates with Other Competitive Bank and Credit Union Rates

Communitywide Federal Credit Union

6-Month CD

4.50%

$1,000

Community Bank and Trust - West Georgia

12-Month CD

4.45%

$500

ConnectOne Bank

Connection Plus Savings

4.00%

$2,500

Apple Federal Credit Union

12-Month CD

4.00%

$500

S&T Bank

5-Month CD

3.98%

$1,000

Main Bank

3-Month CD

3.85%

$1,000

Interstate Bank

12-Month CD (Jumbo)

3.80%

$100,000

600 Atlantic Federal Credit Union

24-Month CD

3.75%

$2,500

Pioneer Bank Mapleton, MN

12-Month CD

3.50%

$500

Everence Trust Company

30-Month CD

3.40%

$500

Franklin SB Franklin, NH

6-Month CD

3.25%

$2,000

Transpecos Banks

12-Month CD

3.25%

$1,000

Volunteer State Bank

60-Month CD

3.14%

$1,000

Centinel Bank of Taos

12-Month CD

3.10%

$1,000

Maries County Bank

48-Month CD

3.09%

$1,000

Heartland State Bank Edgeley, ND

60-Month CD

2.90%

$500

Advantage Credit Union Newtown, IA

6-Month CD

2.80%

$1,000

Genoa Community Bank

48-Month CD

2.61%

$500

Bank of Zachary

36-Month CD

2.55%

$2,500

First Enterprise Bank

48-Month CD

2.50%

$1,000

USLA Union S&L

30-Month CD

2.50%

$1,000

Paramount Bank

24-Month CD

2.25%

$1,000

Act 1st Federal Credit Union

6-Month CD

2.25%

$500

Northwestern Bank

24-Month CD

2.22%

$1,000

First Southern Bank

12-Month CD

2.22%

$1,000

State Bank of Industry

18-Month CD

2.02%

$1,000

BluPeak Credit Union

36-Month CD

2.00%

$1,000

First National Bank of Ava

48-Month CD

1.51%

$500

Community Bank Owatonna

36-Month CD

1.30%

$1,000

Fremont Bank

60-Month CD

1.25%

$2,500

North Easton SB

12-Month CD

1.15%

$500

Union State Bank Winterset, IA

12-Month CD

1.00%

$500

Murphy-Wall State B&T Co.

48-Month CD

0.80%

$1,000

Thayer County Bank

Money Market

0.71%

$2,500

Platte Valley Bank North Bend, NE

Savings

0.65%

United Bank Zebulon, GA

3-Month CD

0.65%

$500

Minster Bank

Money Market Advantage

0.60%

$10,000

FNB in Taylorville

Money Market

0.50%

$2,500

First Bank Hampton

Savings

0.35%

$100

Greenfield Co-operative Bank

24-Month CD

0.30%

$500

United Southern Bank

12-Month CD

0.15%

$1,000

National Bank of Blacksburg

Money Market

0.15%

$1,000

First Horizon

24-Month CD

0.10%

$1,000

First State Bank Nebraska

Money Market

0.10%

$2,500

FNB of Scotia

Savings

0.10%

$25

First Nations Bank

48-Month CD

0.05%

$1,000

cfsbank

Regular Checking

0.05%

$500

Associated Bank

30-Month CD

0.04%

$1,000

Gogebic Range Bank

NOW Checking

0.03%

$500

Bank of America

48-Month CD

0.03%

$1,000

Disclaimer

Mortgage Rates November 15, 2025

1st Northern California Credit Union

7-Year Fixed

3.990%

4.357%

0.750

1st Northern California Credit Union

10-Year Fixed

4.250%

4.514%

0.750

1st Northern California Credit Union

15-Year Fixed

4.500%

4.685%

0.750

DCU Digital Federal Credit Union

10-Year Fixed

4.875%

5.195%

1.125

State Employees Credit Union

10-Year Fixed

5.050%

5.243%

0.000

North Carolina Press Association Federal Credit Union

10 Year Fixed

5.050%

5.243%

0.000

Piedmont Advantage Credit Union

15-Year Fixed

5.000%

5.255%

0.000

Luana Savings Bank

15-Year Fixed

5.250%

5.299%

0.000

Navy Federal Credit Union

15-Year Fixed

5.125%

5.317%

0.250

First FSB of Champaign Urbana

10-Year Fixed

5.250%

5.319%

0.000

Mutual Security Credit Union

5/1 ARM

5.250%

5.362%

0.000

DCU Digital Federal Credit Union

15-Year Fixed

5.125%

5.370%

1.250

North Carolina Press Association Federal Credit Union

5 Year ARM

5.375%

5.378%

0.000

State Employees Credit Union

15-Year Fixed

5.250%

5.386%

0.000

North Carolina Press Association Federal Credit Union

15 Year Fixed

5.250%

5.386%

0.000

Abound Federal Credit Union

15-Year Fixed Jumbo

5.375%

5.400%

0.000

Sikorsky Credit Union

15-Year Fixed

5.375%

5.431%

0.000

A+ Federal Credit Union

15-Year Fixed

5.375%

5.476%

0.000

Abound Federal Credit Union

15-Year Fixed

5.375%

5.512%

0.000

1st Northern California Credit Union

15-Year Fixed (Jumbo)

5.375%

5.525%

0.750

Catskill Hudson Bank

15-Year Fixed

5.375%

5.528%

0.623

American Eagle Financial Credit Union

15-Year Fixed

5.375%

5.544%

0.000

GTE Federal Credit Union

15 Year Fixed

5.375%

5.547%

0.500

First FSB of Champaign Urbana

15-Year Fixed

5.500%

5.549%

0.000

American Bank, N.A. Le Mars, IA

10-Year Fixed

5.375%

5.552%

0.500

Disclaimer

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

First Citizens Bank Information

First Citizens Bank

239 Fayetteville St
Raleigh, NC 27601
Wake
Established Date: 01/01/1898
FDIC Certificate #: 11063
Date of FDIC Deposit Insurance: 01/01/1934

Bank Holding Company: FIRST CITIZENS BANCSHARES INC

How Many Domestic U.S. Offices? 549

How Many Branches are There? 539

Website: https://www.firstcitizens.com

Is First Citizens Bank FDIC Insured? Yes

What is First Citizens Bank's Cert number? 11063

What is the maximum amount for insured deposits? $250,000 per holder, per account

First Citizens Bank Financials

Total Assets:

$217,724,000,000

Total Deposits:

$149,906,000,000

Equity Capital:

$21,723,000,000

Domestic Deposits:

$149,905,000,000

Net Income:

$748,000,000

Return on Assets:

7.8508%

Quarterly Return on Assets:

1.3900%

Pretax Return on Assets:

1.9048%

Pretax Quarterly Return on Assets:

1.9000%

Return on Equity:

83.9600%

Quarterly Return on Equity:

13.9000%

Common Equity Tier 1 Capital Ratio:

13.8468%

Tier 1 Risk-Based Capital Ratio:

13.8468%

Leverage Tier 1 (Core Capital) Ratio:

9.7456%

Total Risk-Based Capital Ratio (YTD):

15.3561%

Total Interest Income (YTD):

5.7442%

Headquarters:

Raleigh

FDIC Field Office:

Raleigh

Regulator:

FDIC

County:

Wake

# of Offices:

549

Metropolitan Statistical Area (MSA):

Raleigh-Cary, NC

Consolidated Metropolitan Statistical Area (CMSA):

OTS Region:

Southeast

FDIC Region:

Atlanta

Source: FDIC Last Updated 03/31/2024

30 Year Mortgage Rates Will End 2014 Below 4.00 Percent

Average mortgage rates today drifted lower, following 10 year U.S. Treasury yields. The current average 30 year conforming mortgage rate is at 3.95 percent, a slight decline from yesterday's average 30 year rate of 3.98 percent. 30 year mortgage refinance rates moved under 4.00 percent last week and will probably end 2014 below 4.00 percent.The average 30 year rate is just below 4.00 percent but there are lenders quoting 30 year refinance rates today below well below the average. On our interest rate table for New Jersey, Garden State Home Loans is quoting 30 year refinancing rates at 3.50 percent with 1.25 mortgage points. AmeriSave is quoting 30 year rates at 3.75 percent with 1 mortgage point and HSBC Bank quoting rates at 3.95 percent with no points.

Current mortgage rates on 15 year conventional loans are averaging 3.10 percent, down from yesterday's average 15 year rate of 3.13 percent. In an article published yesterday, we predicted average 15 year mortgage rates would remain near 3.10 percent for the rest of 2014. The lowest 15 year refi rates on our table for Illinois are at 2.85 percent with 1 mortgage point and at 3.125 percent with no points, both quoted by AmeriSave. Read more...

FDIC List of Troubled Banks and the Texas Ratio

The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, a ratio of 100% or higher, the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

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Time to Refinance Again?

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Up to 95% Financing on Mortgages from Alabama Credit Union

Alabama Credit Union has several different types of mortgages that have good rates including 15 year mortgage rates at 4.25%. Alabama Credit Union also offers financing for up to 95% of a home's value. This is notable because most lenders (especially these days) are only offering financing up to 80% of the home's loan-to-value (LTV) ratio. During the housing boom a few years ago, buyers could get financing for 100% or more of a home's value with no proof of income. Predictably, the rates on home loans for more than 80% financing are higher.