First-Citizens Bank & Trust Company

FDIC-insured · certificate 11063

Savings, money market, checking and CDs, with every rate from First-Citizens Bank & Trust Company’s own pages and every rank against the accounts we track.

Checked Nov 1, 2026Updated Oct 22, 2026

Best savings rate: 0.15%APY · First-Citizens Bank & Money Market Account
Best CD rate: 2.50%APY for 5 months

Every account we track

Accounts and rates

Savings and money market

A year on $10,000, after fees

First-Citizens Bank & Money Market AccountMoney market account · $500 to open0.15%$0$10 a month

First-Citizens Bank & Online SavingsSavings account · $50 to open0.10%$0None

First-Citizens Bank & Regular SavingsSavings account · $100 to openNot stated—$5 a month

First-Citizens Bank & Tiered Money Market SavingsMoney market account · $500 to openNot stated—$10 a month

Checking

Against 1043 checking accounts

First-Citizens Bank & Select CheckingChecking account · $25 to openNot stated#169$12 a month

First-Citizens Bank & Primary CheckingChecking account · $50 to openNot stated#260None

First-Citizens Bank & Free CheckingChecking accountNot stated#328None

First-Citizens Bank & Premier CheckingChecking account · $100 to open0.05%#944$18 a month

First-Citizens Bank & Prestige CheckingChecking account · $100 to open0.05%#983$25 a month

First-Citizens Bank & Premier Executive CheckingChecking accountNot stated#1041$50 a month

First-Citizens Bank & Together CardChecking account · $50 to openNot stated—$8 a month

Certificate of Deposit (CD), by term

$500 to open

5 months · First-Citizens Bank & Trust Company’s best2.50%—

11 months2.25%—

1 year2.00%#123 of 176

18 months0.02%#99 of 107

2 years0.05%#117 of 134

3 years0.05%#88 of 98

4 years0.15%—

A dash: a term we don’t rank. All First-Citizens Bank & Trust Company CDs

Against the market

How First-Citizens Bank & Trust Company ranks

Where each ranked account sits on our list for its kind. Further right is higher on the list.

First-Citizens Bank & Select CheckingChecking account#169 of 1043
First-Citizens Bank & Primary CheckingChecking account#260 of 1043
First-Citizens Bank & Free CheckingChecking account#328 of 1043
First-Citizens Bank & Money Market AccountMoney market account#92 of 174
Certificate of Deposit (CD) · 1 yearCD#123 of 176
Certificate of Deposit (CD) · 2 yearsCD#117 of 134
Certificate of Deposit (CD) · 3 yearsCD#88 of 98
First-Citizens Bank & Premier CheckingChecking account#944 of 1043

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.