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

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Today's 12-month CD rates can be found at 0.35%, 6-month CD rates at 3.25% and 3-month CD rates at 1.76%. Current savings rates are at 0.80% and money market rates are at 0.50%. Mortgage rates today on 30-year fixed loans are around 7.06%. Credit Card rates are at 18.00%. Personal Loan rates are at 10.50%. 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%
18-Month CD
0.02%
24-Month CD
0.05%
36-Month CD
0.05%
48-Month CD
0.15%
60-Month CD
0.15%
Savings
0.10%
MMA
0.05%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
First Citizens Bank
239 Fayetteville St
Raleigh, NC 27601
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

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
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.30 Year Mortgage Rates Will End 2014 Below 4.00 PercentCurrent 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:

    Read more...

Explore Other Rate Deals

credit-card-balance-transfer-offerThinking of taking advantage of a balance transfer credit card offer you received in the mail? You might want to wait until after February 22, 2010 to do a balance transfer.  After February 22, credit card companies have to apply any extra principal paid to the credit card balance with the highest interest rate.
Which direction are CD rates headed in the near future? Unfortunately for depositors, CD rates will stay at these low levels for the rest of 2010 and possibly stay low into 2011. The economy is slowing down and inflation isn't a threat to force the FOMC to increase interest rates. In fact, these days there is more of a concern about deflation than inflation.

Bank or Credit Union Offers and Deals

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Third Federal Savings and Loan Savings Rates now at 0.20%
Mortgage Rates Today 11/11: 30 Year Mortgage Rates Averaging 4.24%, Aimloan 15 Year Mortgage Rates at 3.875%

Alternative Bank and Credit Union Offers to Explore

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