Bank · FDIC insured
First Citizens Bank Savings Rates
First Citizens Bank’s best savings rate is 0.25% APY on $10,000, with its Savings. Rates checked October 22, 2026.
How First Citizens Bank’s savings rates compare
Compared with banks and credit unions near Montgomery, AL, where First Citizens Bank has the most branches. $10,000, best rate first.
This bank’s best
First Citizens Bank
0.25%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $25
Savings
Top rate
Guardian Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $400
2nd-highest rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
First Citizens Bank savings score
72
Savings score
Higher than 32% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Citizens Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market
0.15%APY
Fees could reduce earnings on the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.15% | $15 |
| $25,000 – $50,000 | 0.25% | — |
| $50,000 – $100,000 | 0.30% | — |
| $100,000 – $250,000 | 0.40% | — |
| $250,000 and up | 1.00% | — |
Sources (1)
- fcbl.com/rates · captured Sep 19, 2026
Savings
0.25%APY
3 Withdrawals per Quarter: No Charge; More than 3 withdrawals in a quarter: $7.50 per withdrawal; If average balance falls below $100 during the quarter: $5.00 fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Daily balance up to $24,999.99. Minimum balance to obtain APY is $0.01. | 0.25% | $25 | Daily balance up to $24,999.99. Minimum balance to obtain APY is $0.01. |
| $25,000 – $50,000Daily balance $25,000.00-$49,999.99. Minimum balance to obtain APY is $0.01. | 0.25% | — | Daily balance $25,000.00-$49,999.99. Minimum balance to obtain APY is $0.01. |
| $50,000 and upDaily balance $50,000.00 or more. Minimum balance to obtain APY is $0.01. | 0.30% | — | Daily balance $50,000.00 or more. Minimum balance to obtain APY is $0.01. |
Special-purpose accounts
Christmas Club
0.25%APY
Minimum opening deposit: $0.01. Minimum balance to obtain APY: $0.01. No withdrawals are permitted from Christmas Club Accounts prior to the pay out date in November. The entire balance may be withdrawn and no interest will be paid on the account. APY accurate as of 10/24/22.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0No withdrawals are permitted from Christmas Club Accounts prior to the pay out date in November. The entire balance may be withdrawn and no interest will be paid on the account.Over $0 | 0.25% | $25 | No withdrawals are permitted from Christmas Club Accounts prior to the pay out date in November. The entire balance may be withdrawn and no interest will be paid on the account. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.