APY on $10,000
0.00%
As of Nov 8, 2026. Rates are variable.
First-Citizens Bank & Trust Company · Money market account
First-Citizens Bank & Money Market Account
$0 a year on $10,000 at today’s 0.00% APY. $10 a month. $500 to open.
- A year on $10,000
- Receipt · A year on $10,000Checked Nov 8, 2026
Issuer's page · firstcitizens.com
The source states this figure; we have no exact sentence on file yet.
- Balance
- $10,000
- APY
- 0.00%
- Monthly fee, a year
- $120
- A year
- $0
- APY on $10,000
- Receipt · APYChecked Nov 8, 2026
Issuer's page · firstcitizens.com
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · firstcitizens.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · firstcitizens.com
The source states this figure; we have no exact sentence on file yet.
In dollars
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.
Against the market
How it ranks
#92of 174 money market accounts, by a year’s value on $10,000
All 174 money market accounts, rankedFeatures
- Bill pay
- Budgeting tools
- Interest bearing
- Mobile check deposit
- Online opening
- Spending alerts
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates by balance
- $0 to $999
- 0.05%
- $1,000 to $9,999
- 0.05%
- $10,000 to $24,999
- 0.05%
- $25,000 to $49,999
- 0.07%
- $50,000 to $99,999
- 0.07%
- $100,000 to $499,999
- 0.10%
- $500,000 and up
- 0.15%
The bank’s rates · as of Nov 8, 2026
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $500firstcitizens.com, checked Nov 8, 2026
- To earn the APY
- Minimum opening balance of $500 in new funds to First Citizens, maximum of $1,000,000, required to receive the advertised APYfirstcitizens.com, checked Nov 8, 2026
- APY paid on balances up to
- $1,000,000firstcitizens.com, checked Nov 8, 2026
- Interest compounds
- compounded daily and paid monthlyfirstcitizens.com, checked Nov 8, 2026
Fees
- Monthly fee
- $10 a monthfirstcitizens.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Maintain a $1,000 daily balance to avoid a $10 maintenance fee.firstcitizens.com, checked Nov 8, 2026
- Minimum to open
- $500firstcitizens.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money