What are the current interest rates at First Citizens Bank?

Current rates for First Citizens Bank include: 12-Month CD: 2.00%, 18-Month CD: 0.02%, 24-Month CD: 0.05%, 36-Month CD: 0.05%, 48-Month CD: 0.15%

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First Citizens Bank

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First Citizens Bank Rates & Review September 2026

Q: How many branches does First Citizens Bank operate?

First Citizens Bank currently maintains approximately 517 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, First Citizens Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Citizens Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

First Citizens Bank's 5-Months 5-Month Online Promotional CD rates are at 4.00%, 11-Months 11-Month Online Promotional CD rates are at 3.75%, 3 to 5-Months 3 - 5-Month Certificate of Deposit rates are at 2.50%, 6 to 11-Months 6 - 11-Month Certificate of Deposit rates are at 2.25%, 12-Months 12-Month Certificate of Deposit rates are at 2.00%. MonitorBankRates evaluates the financial stability of First Citizens Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.85%. Rates last updated and verified on 09/18/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.85%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

First-Citizens Bank & Trust Company

239 Fayetteville St
Raleigh, NC 27601

https://www.firstcitizens.com

First Citizens Bank CD Rates

Product	Rate	APY	Term
5-Month Online Promotional CD	-	4.00%	5 months
Min Deposit $5,000 Details Earn as much as 4.00% APY. This CD must be funded from external sources as soon as it's opened. Funding can't be sourced from existing First Citizens or CIT accounts. The owner(s) of this CD must reside in a state where there's a First Citizens branch. This CD isn't available for trusts, businesses or other entities. Public funds are also ineligible for this CD. This CD may not be opened as an individual retirement account. This promotional CD can be opened online and may not be available at branch locations. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
11-Month Online Promotional CD	-	3.75%	11 months
Min Deposit $5,000 Details Earn as much as 3.75% APY. This CD must be funded from external sources as soon as it's opened. Funding can't be sourced from existing First Citizens or CIT accounts. The owner(s) of this CD must reside in a state where there's a First Citizens branch. This CD isn't available for trusts, businesses or other entities. Public funds are also ineligible for this CD. This CD may not be opened as an individual retirement account. This promotional CD can be opened online and may not be available at branch locations. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
3 - 5 Month Certificate of Deposit	-	2.50%	3 to 5 months
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
6 - 11 Month Certificate of Deposit	-	2.25%	6 to 11 months
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
12 Month Certificate of Deposit	-	2.00%	12 months
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
4 Year Certificate of Deposit	-	0.15%	4 years
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
2 Year Certificate of Deposit	-	0.05%	2 years
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
3 Year Certificate of Deposit	-	0.05%	3 years
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%
18 Month Certificate of Deposit	-	0.02%	18 months
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%

First Citizens Bank Checking Rates

Product	Rate	APY	View More
Premier Checking Account	-	0.05%
Min Deposit $100 Details Earn interest income. Get preferred rates on CDs and home equity lines of credit. Bank when you want. Avoid the $18 monthly fee when you meet any one of these criteria: $5,000 combined daily balance on select accounts, At least $4,000 in monthly ACH direct deposits, Equity line of at least $25,000, $10,000+ original consumer loan. APY (annual percentage yield) is accurate as of September 18, 2026. After that time, the rate is variable and may change. Other account-related fees may apply. Fees could reduce the earnings on the account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%

First Citizens Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
CD	-	-	2.50%
Min Deposit $500 Details Earn up to 2.50% APY, depending on the CD term you select. Special-feature CD s available at branch locations. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.85%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First Citizens Bank’s Texas Ratio rose from 5.24% in Q3 2023 to 7.85% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$236.3B	7.85%	5.0	A
March 31, 2026	$235.5B	7.59%	5.0	A
December 31, 2025	$229.3B	7.19%	5.0	A
September 30, 2025	$233.2B	7.66%	5.0	A
June 30, 2025	$229.4B	6.96%	5.0	A
March 31, 2025	$228.6B	6.62%	5.0	A
December 31, 2024	$223.5B	6.14%	5.0	A
September 30, 2024	$220.4B	6.52%	5.0	A
June 30, 2024	$219.7B	6.10%	5.0	A
March 31, 2024	$217.7B	5.93%	5.0	A+
December 31, 2023	$213.6B	5.41%	5.0	A+
September 30, 2023	$213.6B	5.24%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Citizens Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Citizens Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Citizens Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Citizens Bank

Bank Holding Company FIRST CITIZENS BANCSHARES INC

Address 239 Fayetteville St, Raleigh, NC 27601 · Wake

Website https://www.firstcitizens.com

FDIC Certificate # 11063

Established 18980101

FDIC Insurance Date 19340101

Domestic Offices 518

Total Branches 517

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.85%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0269%

Return on Equity (ROE) 10.2900%

Non-Performing Loans (NPL) 0.72%

Total Assets $236,317,000,000

Total Deposits $173,952,000,000

Equity Capital $23,108,000,000

Net Income $1,200,000,000

Headquarters Raleigh

Total Branches and Offices 518

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Citizens Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Customer Reviews

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Frequently Asked Questions About First Citizens Bank

How many branches does First Citizens Bank operate?

First Citizens Bank currently maintains approximately 517 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Citizens Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Citizens Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Citizens Bank offer online and mobile banking?

Most modern institutions like First Citizens Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstcitizens.com.