Bank · FDIC insured
First Citizens Bank Savings Rates
First Citizens Bank’s best savings rate is 0.10% APY on $10,000, with its Online Savings. Rates checked October 22, 2026.
How First Citizens Bank’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $10
Online Savings
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
Skyla Credit Union
4.01%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $401
First Citizens Bank savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 Account
0.05%APY
Interest rates for money market savings accounts may vary depending on your area.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $999Maintain a $1,000 daily balance to avoid a $10 maintenance fee. | 0.05% | — | Maintain a $1,000 daily balance to avoid a $10 maintenance fee. |
| $1,000 – $9,999Maintain a $1,000 daily balance to avoid a $10 maintenance fee. | 0.05% | — | Maintain a $1,000 daily balance to avoid a $10 maintenance fee. |
| $10,000 – $24,999Maintain a $1,000 daily balance to avoid a $10 maintenance fee. | 0.05% | $5 | Maintain a $1,000 daily balance to avoid a $10 maintenance fee. |
| $25,000 – $49,999Maintain a $1,000 daily balance to avoid a $10 maintenance fee. | 0.07% | — | Maintain a $1,000 daily balance to avoid a $10 maintenance fee. |
| $50,000 – $99,999Maintain a $1,000 daily balance to avoid a $10 maintenance fee. | 0.07% | — | Maintain a $1,000 daily balance to avoid a $10 maintenance fee. |
| $100,000 – $499,999Maintain a $1,000 daily balance to avoid a $10 maintenance fee. | 0.10% | — | Maintain a $1,000 daily balance to avoid a $10 maintenance fee. |
| $500,000 and upMaintain a $1,000 daily balance to avoid a $10 maintenance fee. | 0.15% | — | Maintain a $1,000 daily balance to avoid a $10 maintenance fee. |
Sources (1)
- firstcitizens.com/personal/savings/money-market-account · captured Sep 19, 2026
Online Savings
0.10%APY
Exclusively available online. No monthly service charge. Interest compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000,000Minimum opening balance of $50 in new funds to First Citizens, maximum of $1,000,000, required to receive advertised APY. Variable rate subject to change. First two withdrawals or transfers per month are free, then $3 each.Up to $1,000,000 | 0.10% | $10 | Minimum opening balance of $50 in new funds to First Citizens, maximum of $1,000,000, required to receive advertised APY. Variable rate subject to change. First two withdrawals or transfers per month are free, then $3 each. |
Sources (3)
- firstcitizens.com/personal/savings
- firstcitizens.com/personal/savings/compare
- firstcitizens.com/personal/sav…s/online-savings-account
All 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.