Bank · FDIC insured
First Citizens Bank CD Rates
First Citizens Bank’s best CD rate is 4.00% APY on a 5-month CD. Terms run from 3 months to 4 years. Rates checked October 22, 2026.
How First Citizens Bank’s CD rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where First Citizens Bank has the most branches. $10,000, best rate first.
This bank’s best
First Citizens Bank
4.00%APY
- Term
- 5 months
- Minimum
- $5,000
- Earns on $10,000
- $165
Online Promotional CD
Top rate
Allegacy Financial
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
First Citizens Bank CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo0.05%
- 31–60 months31–60 mo0.15%
- QualifiedQualified4.00%
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.
Online Promotional CD
Up to 4.00%APY · 2 terms
Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsEarn up to 4.00% APY on a 5-month CD | 4.00% | $165 |
| 11 monthsEarn up to 3.75% APY on an 11-month CD | 3.75% | $343 |
Sources (2)
All captured Sep 19, 2026
Special-Feature CD
Up to 2.50%APY · 7 terms
Minimum opening deposit $500. Available at branch locations.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsTerm: 3 to 5 months | 2.50% | $62 |
| 6–11 monthsTerm: 6 to 11 months | 2.25% | $112 |
| 12 monthsTerm: 12 months | 2.00% | $200 |
| 18 monthsTerm: 18 months | 0.02% | $3 |
| 24 monthsTerm: 2 years | 0.05% | $10 |
| 36 monthsTerm: 3 years | 0.05% | $15 |
| 48 monthsTerm: 4 years | 0.15% | $60 |
Sources (1)
- firstcitizens.com/personal/sav…/certificates-of-deposit · captured Sep 19, 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.