Bank · FDIC insured
First Citizens Bank CD Rates
First Citizens Bank’s best CD rate is 3.55% APY on a 3-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How First Citizens Bank’s CD rates compare
Compared with banks and credit unions near Mason City, IA, where First Citizens Bank has the most branches. $10,000, best rate first.
This bank’s best
First Citizens Bank
3.34%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,036
CD (Certificate of Deposit)
Top rate
CENT Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $5,000
- Earns on $10,000
- $920
2nd-highest rate
Clear Lake Bank and Trust Company
4.27%APY
- Term
- 9 months
- Minimum
- $5,000
- Earns on $10,000
- $319
First Citizens Bank CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo3.12%
- 9–15 months9–15 mo3.09%
- 16–30 months16–30 mo2.98%
- 31–60 months31–60 mo3.34%
- QualifiedQualified3.34%
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 CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CD (Certificate of Deposit)
Up to 3.34%APY · 7 terms
Minimum of $1,000 to open. Terms ranging from 6 to 60 months. Tiered interest rates. Interest begins to accrue on the business day of non-cash deposits. Daily balance method applies a daily periodic rate to principal each day. Early withdrawal penalties apply (90 days interest for 6 & 12 months, 180 days for 18 & 24 months, 365 days for 36, 48 & 60 months).
| Term | APY · $1,000 – $5,000 | APY · $5,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsInterest compounds and is paid at maturity. Penalty for early withdrawal will be equal to 90 days interest | 3.02% | 3.12% | 3.23% | 3.33% | 3.12%3.02% $1k–$5k3.23% $25k–$50k3.33% from $50k | $155 |
| 12 monthsInterest compounds and is paid quarterly. Penalty for early withdrawal will be equal to 90 days interest | 2.98% | 3.09% | 3.19% | 3.29% | 3.09%2.98% $1k–$5k3.19% $25k–$50k3.29% from $50k | $309 |
| 18 monthsInterest compounds and is paid quarterly. Penalty for early withdrawal will be equal to 180 days interest | 2.88% | 2.98% | 3.09% | 3.19% | 2.98%2.88% $1k–$5k3.09% $25k–$50k3.19% from $50k | $450 |
| 24 monthsInterest compounds and is paid quarterly. Penalty for early withdrawal will be equal to 180 days interest | 2.73% | 2.83% | 2.93% | 3.03% | 2.83%2.73% $1k–$5k2.93% $25k–$50k3.03% from $50k | $574 |
| 36 monthsInterest compounds and is paid quarterly. One time bump option available. Penalty for early withdrawal will be equal to 365 days interest | 3.24% | 3.34% | 3.44% | 3.55% | 3.34%3.24% $1k–$5k3.44% $25k–$50k3.55% from $50k | $1,036 |
| 48 monthsInterest compounds and is paid quarterly. One time bump option available. Penalty for early withdrawal will be equal to 365 days interest | 3.24% | 3.34% | 3.44% | 3.55% | 3.34%3.24% $1k–$5k3.44% $25k–$50k3.55% from $50k | $1,404 |
| 60 monthsInterest compounds and is paid quarterly. One time bump option available. Penalty for early withdrawal will be equal to 365 days interest | 3.24% | 3.34% | 3.44% | 3.55% | 3.34%3.24% $1k–$5k3.44% $25k–$50k3.55% from $50k | $1,785 |
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.