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

  1. Home
  2. Banks
  3. First Citizens Bank Deposit Rates
Today's 12-month CD rates can be found at 4.00%, 6-month CD rates at 0.50% and 3-month CD rates at 1.00%. Current savings rates are at 1.10% and money market rates are at 0.10%. Mortgage rates today on 30-year fixed loans are around 7.10%. Credit Card rates are at 10.15%. Personal Loan rates are at 9.20%. 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%, 24-Month CD rates are at 0.05%, 36-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 5.87%, which is considered excellent. The Texas Ratio for First Citizens Bank is lower than the national average of all banks, currently at 6.24%. 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 CD Rates and Interest Rates

Bank
Product
APY
Min Dep
First Citizens Bank
First Citizens Bank
48-Month CD
0.15%
$500
First Citizens Bank
First Citizens Bank
60-Month CD
0.15%
$500
First Citizens Bank
First Citizens Bank
Online Savings
0.10%
$50
First Citizens Bank
First Citizens Bank
24-Month CD
0.05%
$500
First Citizens Bank
First Citizens Bank
36-Month CD
0.05%
$500
First Citizens Bank
First Citizens Bank
Money Market
0.05%
$500
First Citizens Bank
First Citizens Bank
18-Month CD
0.02%
$500
First Citizens Bank
First Citizens Bank
12-Month CD
0.01%
$500
First Citizens Bank
First Citizens Bank
6-Month CD
0.01%
$500
Show More

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

Bank
Product
APY
Min Dep
Central Bank Provo, UT
Central Bank Provo, UT
6-Month CD (special)
5.34%
$500
Beal Bank
Beal Bank
12-Month CD
5.15%
$1,000
Barclays Bank
Barclays Bank
12-Month CD
5.00%
$0
First Federal Savings Bank Evansville, IN
First Federal Savings Bank Evansville, IN
12-Month CD (special)
4.65%
$500
Langley Federal Credit Union
Langley Federal Credit Union
24-Month CD
4.25%
$500
Centreville Bank
Centreville Bank
18-Month CD
4.25%
$1,000
MCT Credit Union
MCT Credit Union
6-Month CD
4.08%
$1,000
Alliance Community Bank
Alliance Community Bank
24-Month CD
4.07%
$1,000
WCB West Central Bank
WCB West Central Bank
3-Month CD
4.06%
$1,000
Dearborn Federal Savings Bank
Dearborn Federal Savings Bank
24-Month CD
4.05%
$500
Union Bank, Inc.
Union Bank, Inc.
12-Month CD
4.01%
$1,000
PeopleFirst Bank
PeopleFirst Bank
Premier Money Market
4.00%
$250,000
Andrews Federal Credit Union
Andrews Federal Credit Union
60-Month CD
3.90%
$1,000
Cape Cod Co-operative Bank
Cape Cod Co-operative Bank
18-Month CD
3.75%
$500
Unison Bank
Unison Bank
18-Month CD
3.51%
$2,500
Alabama Credit Union
Alabama Credit Union
48-Month CD
3.44%
$500
Kish Bank
Kish Bank
48-Month CD
3.28%
$2,000
New Market Bank
New Market Bank
9-Month CD
3.16%
$500
VISIONBank Saint Francis, MN
VISIONBank Saint Francis, MN
48-Month CD
3.15%
$500
State Bank of De Kalb
State Bank of De Kalb
36-Month CD
3.09%
$500
Forbright
Forbright
24-Month CD
3.00%
$1,000
1st Advantage Federal Credit Union
1st Advantage Federal Credit Union
60-Month CD
2.75%
$500
RadiFi Credit Union
RadiFi Credit Union
12-Month CD
2.65%
$500
Central State Bank State Center, IA
Central State Bank State Center, IA
Checking Account NOW Elite
2.50%
$1,000
Cleveland State Bank
Cleveland State Bank
24-Month CD
2.26%
$1,000
First Federal Bank of Kansas City
First Federal Bank of Kansas City
24-Month CD
2.02%
$1,000
Bellevue State Bank
Bellevue State Bank
12-Month CD
2.01%
$2,500
Lee Bank
Lee Bank
6-Month CD
2.00%
$500
Brattleboro S&L
Brattleboro S&L
36-Month CD
2.00%
$500
BAC Community Bank
BAC Community Bank
24-Month CD
2.00%
$2,500
1st MidAmerica Credit Union
1st MidAmerica Credit Union
Money Market
1.76%
$2,500
Bank Northwest
Bank Northwest
3-Month CD
1.51%
$500
Parkway Bank and Trust Company
Parkway Bank and Trust Company
24-Month CD
1.50%
$1,000
Machias Savings Bank
Machias Savings Bank
60-Month CD
1.30%
$500
Integrity Bank & Trust
Integrity Bank & Trust
Personal Money Market
1.01%
$0
Pioneer Bank Mapleton, MN
Pioneer Bank Mapleton, MN
48-Month CD
1.00%
$500
First Bank Hampton
First Bank Hampton
Loyalty Checking
0.75%
$7,500
Presence Bank
Presence Bank
48-Month CD
0.65%
$250
Eclipse Bank
Eclipse Bank
18-Month CD
0.50%
$1,000
Murphy-Wall State B&T Co.
Murphy-Wall State B&T Co.
18-Month CD
0.35%
$1,000
Mercer Savings Bank
Mercer Savings Bank
24-Month CD
0.20%
$100
First Commonwealth Bank
First Commonwealth Bank
30-Month CD
0.15%
$500
Sturdy Savings Bank
Sturdy Savings Bank
48-Month CD
0.08%
$500
Commerce Bank Corinth, MS
Commerce Bank Corinth, MS
Checking Account Now
0.05%
$500
JTNB
JTNB
Money Market
0.05%
$2,500
Maine Community Bank
Maine Community Bank
Savings
0.05%
$25
Piedmont FSB
Piedmont FSB
Statement Savings
0.05%
$100
FCN Bank, N.A.
FCN Bank, N.A.
NOW Checking
0.05%
$0
PNC Bank
PNC Bank
24-Month CD
0.02%
$1,000
Lusitania Savings Bank
Lusitania Savings Bank
Savings
0.01%
$100
Show More

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.

Mortgage Rates June 22, 2024

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
4.750%
5.507%
0.000
5.000%
5.531%
0.000
5.500%
5.614%
0.000
5.500%
5.716%
0.500
5.625%
5.777%
0.500
5.625%
5.786%
0.000
15-Year Fixed
5.625%
5.799%
0.000
5.625%
5.820%
0.250
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
5.675%
5.894%
0.000
15 Year Fixed
5.625%
5.941%
1.000
5.750%
5.954%
1.000
5.750%
5.957%
0.000
5.875%
5.970%
0.000
15-Year Fixed (Jumbo)
5.875%
5.970%
0.000
5.950%
5.998%
0.000
5.875%
6.031%
0.000
Show More

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? 569
How Many Branches are There? 563
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:
$214,598,538,000
Total Deposits:
$140,261,168,000
Equity Capital:
$19,476,985,000
Domestic Deposits:
$140,260,617,000
Net Income:
$9,534,055,000
Return on Assets:
1.1958%
Quarterly Return on Assets:
23.5600%
Pretax Return on Assets:
23.4539%
Pretax Quarterly Return on Assets:
23.4500%
Return on Equity:
12.4500%
Quarterly Return on Equity:
259.3300%
Common Equity Tier 1 Capital Ratio:
11.6730%
Tier 1 Risk-Based Capital Ratio:
11.6730%
Leverage Tier 1 (Core Capital) Ratio:
9.5630%
Total Risk-Based Capital Ratio (YTD):
13.2604%
Total Interest Income (YTD):
3.7909%
 
 
Headquarters:
Raleigh
FDIC Field Office:
Raleigh
Regulator:
FDIC
County:
Wake
# of Offices:
569
Metropolitan Statistical Area (MSA):
Raleigh-Cary, NC
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Southeast
FDIC Region:
Atlanta
Source: FDIC

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

higher-insurance-premiums-ending-for-womenInsurance companies have historically charged women higher insurance premiums for heath insurance.
5 Star Bank CD Rates5 Star Bank CD rates, from short term to long term CD rates, are very competitive. 6 month CD rates at 5 Star Bank are currently at 1.00 percent with an APY of 1.01 percent. 1 year CD rates from 5 Star Bank are double the 6 month rate at 2.00 percent with an APY of 2.02 percent. View all 5 Star Bank CD Rates below and compare this bank's rates with other bank CD rates.
Discover Bank MMA Jumbo rates are now at 0.85 percent with a yield of 0.85 percent. View the current MMA Jumbo rates at Discover Bank below.

Bank or Credit Union Offers and Deals

Miami Postal Service Credit Union CD Rates
Mortgage Interest Rate: Current Mortgage Rates Down This Week
First Internet Bank of Indiana Money Market Account Rates now at 0.80%
Colorado Federal Savings Bank Savings Jumbo Rates now at 0.85%
Credit Cards: Be Smart When Using Your Credit Cards
U.S. Personal Savings Rate Rises
Outlook for Higher CD Rates in 2017 is Promising
Current Mortgage Rates Hold Steady as the FOMC Wraps Up Its Two Day Meeting
Mortgage Reform
2-1 Mortgage Rates: 30 Year Mortgage Rates and 30 Year Refinance Rates at 4.81%

Alternative Bank and Credit Union Offers to Explore

Savings Account Rates and the Savings Rate
Personal Income, Outlays and Current Savings Rates in the United States
Bangor Savings Bank 1 Year CD Rates now at 0.15%
New Leaders on our 1 Year CD Rates List as Greece Votes No to More Austerity
Northpointe Bank Money Market Rates
E-Loan 6 Month Jumbo CD Rates now at 0.85%
This Week's Best CD Rates on 1 Year, 2 Year and 5 Year Certificates of Deposit
Mortgage Rates Fall Yet Again: 30 Year Mortgage Rates at 4.60%, 15 Year Mortgage Rates at 3.95%
Pinnacle Bank Mortgage Rates
Mortgage Refinance Rates: 30 Year Refinance Rates as Low as 3.13% 15 Year Refi Rates as Low as 2.38%

First Citizens Bank Reviews

There are no reviews for First Citizens Bank yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for First Citizens Bank
Your Name:
Your Rating:

See how First Citizens Bank Compares to other banks