RateHerald

APY on $10,000

0.00%

As of Nov 8, 2026. Rates are variable.

First-Citizens Bank & Trust Company · Savings account

First-Citizens Bank & Online Savings

$0 a year on $10,000 at today’s 0.00% APY. No monthly fee. $50 to open.

Checked Nov 8, 2026Updated

A year on $10,000
APY on $10,000
Monthly fee
To open

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.

Rates are variable; these are today’s.

Against the market

How it ranks

#245of 270 savings accounts, by a year’s value on $10,000

All 270 savings accounts, ranked

Features

  • Bill pay
  • Budgeting tools
  • Interest bearing
  • Mobile check deposit
  • No minimum balance
  • Online opening
  • Spending alerts

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Rate conditions

Balance needed for the APY
$50firstcitizens.com, checked Nov 8, 2026
To earn the APY
Minimum opening balance of $50 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 credited monthlyfirstcitizens.com, checked Nov 8, 2026

Fees

Monthly fee
Nonefirstcitizens.com, checked Nov 8, 2026
Minimum to open
$50firstcitizens.com, checked Nov 8, 2026
Withdrawals a month
2firstcitizens.com, checked Nov 8, 2026
Fee for each withdrawal over the limit
$3firstcitizens.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

See it on firstcitizens.com

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