Credit union · NCUA insured
First Citizens Federal Credit Union CD Rates
First Citizens Federal Credit Union’s best CD rate is 0.75% APY on a 3-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How First Citizens Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Providence, RI-MA, where First Citizens Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Citizens Federal Credit Union
0.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $227
Term Certificate
Top rate
Rhode Island Credit Union
4.80%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
First Citizens Federal Credit Union CD score
60
CD score
Higher than 2% of U.S. banks and credit unions
- 3–8 months3–8 mo0.20%
- 9–15 months9–15 mo0.45%
- 16–30 months16–30 mo0.50%
- 31–60 months31–60 mo0.75%
- QualifiedQualified0.75%
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 Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Certificate
Up to 0.75%APY · 8 terms
Dividends compounded and paid monthly. Penalties may be imposed for early withdrawal. Rates subject to approval and change at any time. No annual maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.15% | $4 |
| 6 months | 0.20% | $10 |
| 12 months | 0.45% | $45 |
| 18 months | 0.25% | $38 |
| 24 months | 0.50% | $100 |
| 36 months | 0.75% | $227 |
| 48 months | 0.75% | $303 |
| 60 months | 0.75% | $381 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Term Certificate
Up to 0.75%APY · 8 terms
If you are 59 1/2 or older, you may change the term of your certificate once in a 12-month period. Traditional, Roth, and Coverdell Education IRAs available. Dividends compounded and paid monthly. Penalties may be imposed for early withdrawal. Rates subject to approval and change at any time. No annual maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.15% | $4 |
| 6 months | 0.20% | $10 |
| 12 months | 0.45% | $45 |
| 18 months | 0.25% | $38 |
| 24 months | 0.50% | $100 |
| 36 months | 0.75% | $227 |
| 48 months | 0.75% | $303 |
| 60 months | 0.75% | $381 |
Sources (2)
All captured Sep 18, 2026
Who can join First Citizens Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.