Bank · FDIC insured
First Citizens Bank Savings Rates
First Citizens Bank’s best savings rate is 0.25% APY on $10,000, with its Platinum Savings. Rates checked October 16, 2026.
How First Citizens Bank’s savings 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
0.25%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $25
Platinum Savings
Top rate
CENT Credit Union
3.55%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $355
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
First Citizens Bank savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.21%
- 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.
Platinum Savings
0.25%APY
Earns tiered interest compounded and paid monthly on daily collected balance of $10,000 or more. $25.00 monthly service charge waived with $10,000 average collected balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000$25.00 monthly maintenance fee assessed if minimum average collected balance of $10,000 is not met. | 0.00% | — | $25.00 monthly maintenance fee assessed if minimum average collected balance of $10,000 is not met. |
| $10,000 – $50,000$25.00 monthly fee waived by maintaining a $10,000 average collected balance. | 0.25% | $25 | $25.00 monthly fee waived by maintaining a $10,000 average collected balance. |
| $50,000 – $100,000$25.00 monthly fee waived by maintaining a $10,000 average collected balance. | 0.35% | — | $25.00 monthly fee waived by maintaining a $10,000 average collected balance. |
| $100,000 – $250,000$25.00 monthly fee waived by maintaining a $10,000 average collected balance. | 1.21% | — | $25.00 monthly fee waived by maintaining a $10,000 average collected balance. |
| $250,000 – $1,000,000$25.00 monthly fee waived by maintaining a $10,000 average collected balance. | 1.76% | — | $25.00 monthly fee waived by maintaining a $10,000 average collected balance. |
| $1,000,000 – $2,000,000$25.00 monthly fee waived by maintaining a $10,000 average collected balance. | 2.73% | — | $25.00 monthly fee waived by maintaining a $10,000 average collected balance. |
| $2,000,000 – $5,000,000$25.00 monthly fee waived by maintaining a $10,000 average collected balance. | 3.14% | — | $25.00 monthly fee waived by maintaining a $10,000 average collected balance. |
| $5,000,000 and up$25.00 monthly fee waived by maintaining a $10,000 average collected balance. | 3.68% | — | $25.00 monthly fee waived by maintaining a $10,000 average collected balance. |
Sources (3)
All captured Oct 16, 2026
Basic Savings
0.03%APY
Quarterly statement unless electronic transfers or paired with First Citizens checking. $2.00 monthly service charge waived by maintaining a $100 average collected balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Earn interest on daily collected balance, compounded and paid quarterly. $2.00 monthly maintenance fee waived with $100 minimum average collected balance.Over $0 | 0.03% | $3 | Earn interest on daily collected balance, compounded and paid quarterly. $2.00 monthly maintenance fee waived with $100 minimum average collected balance. |
Sources (3)
All captured Oct 16, 2026
Special-purpose accounts
Christmas Club
0.03%APY
Account balance and interest earned automatically transfers to your First Citizens checking or savings account on November 1st of each year. There is a $10.00 penalty fee for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000No minimum balance required to maintain account. No interest earned on balances over $5,000.00. Balance and interest transfer automatically on November 1st.Up to $5,000 | 0.03% | — | No minimum balance required to maintain account. No interest earned on balances over $5,000.00. Balance and interest transfer automatically on November 1st. |
Power Savers
0.03%APY
Savings account for children age 14 and under. Must be opened in person by an adult over the age of 18 (e.g. parent, grandparent, guardian, aunt or uncle). Child's social security number is required for account opening. Account automatically switches to First Citizens Basic Savings at age 15.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Interest earned on daily collected balance and paid quarterly. No minimum balance required to maintain account. No monthly fee.Over $0 | 0.03% | $3 | Interest earned on daily collected balance and paid quarterly. No minimum balance required to maintain account. No monthly fee. |
Sources (4)
- myfcb.bank/youth-banking.html
- myfcb.bank/personal-savings.html
- myfcb.bank/power-savers.html
- myfcb.bank/deposit-rates.html
All captured Oct 16, 2026
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.