Best CD rates and certificates

Requirements

Product: Not available for an Individual Retirement Account (IRA). Substantial penalty for early withdrawal. Fees may reduce earnings.

Offer: Not available for an Individual Retirement Account (IRA). Substantial penalty for early withdrawal. Fees may reduce earnings.

Requirements

Product: 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.

Offer: Earn up to 4.00% APY on a 5-month CD.

Requirements

Product: New money only. Only one CD per household; business entities are not eligible. Earns 4.00% APY plus an additional 4.00% annualized bonus (8.00% effective annualized return) if client applies for a first lien closed end mortgage loan with Leader Bank on or after December 25, 2025, and closes on or before the initial 6-month maturity date.

Offer: Base rate. New money only. Maximum deposit $100,000. One CD per household.

Requirements

Product: $500 minimum deposit to open account and minimum balance to obtain APY. Terms ranging from 3 months to 3 years. Interest compounded and paid monthly. Automatic renewal. Early withdrawal penalty may be imposed.

Requirements

Product: Available for personal accounts only. Must open and maintain an Active checking account to obtain or renew special CD accounts. Minimum balance to earn advertised APY is $50.00. Early withdrawal penalty may apply. Interest compounds monthly.

Offer: Special Short Term CD. Limited time offer. Must open and maintain an Active checking account. Interest compounds monthly. Early withdrawal penalty may apply.

Requirements

Product: Premium fixed rates offered for the term of the certificate. Minimum opening deposit of $250.00 to earn APY. Dividends compounded and paid/credited monthly. Subject to early withdrawal penalties. Fees may reduce earnings. Upon maturity, certificate will automatically renew at the prevailing rate.

Offer: Limited-time special. Offer expires 9/20/26. Minimum opening deposit of $250 to earn APY. Dividends compounded and paid monthly. Early withdrawal penalty may be imposed if redeemed prior to maturity. Fees may reduce earnings. Valid on personal and business accounts only; no institutional funds. Automatically renews at the prevailing rate upon maturity.

Requirements

Product: Includes a special penalty-free offer after six days of opening, not available for rollover at maturity. When this Certificate matures, the funds and dividends will automatically be renewed to the next shortest-Term Certificate offered, which may include withdrawal penalties. You can prevent renewal if you mail notice to us at least 30 calendar days before maturity. Minimum deposit to open is $1,000.00.

Offer: Penalty-free withdrawal allowed after six days of opening. Automatically renews at maturity to next shortest-Term Certificate offered unless 30 days notice is given.

Requirements

Product: Minimum required to open is the minimum required to earn APY. APY assumes principal and interest remain on deposit for one year. For terms 12 months or longer, interest is compounded and credited monthly; for terms under 12 months, simple interest is credited monthly. Penalty assessed on early withdrawal.

Offer: Special CD promotional offer available to new or existing customers without a checking account. Minimum CD opening deposit is $2,500 to obtain promotional APY. Automatically renews at maturity for six months at the then current 6-month rate in effect at that time. Penalty will be imposed for early withdrawal. Available for IRAs and business customers.

Requirements

Product: Fixed rate for term of deposit. Dividend rate compounded monthly and paid monthly. Renewed automatically at the end of a 7 calendar day grace period. May be pledged as collateral. $5.00 member share required.

Offer: 12 Month Special. Annual Percentage Yield (APY) assumes that dividends remain on deposit until maturity. Early withdrawal is subject to penalty and will reduce earnings. Jumbo CD rate available on balances of $100,000 or more – add .10% basis points over current rate. $5.00 member share required.

Requirements

Product: Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.

Offer: Requires Premier Spending relationship.

Requirements

Product: Available to new and existing customers. Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal. 91 Day CD includes one penalty-free withdrawal per term after seven days from account opening.

Offer: Available exclusively to Premier5 relationship customers.

Requirements

Product: Dividends accrue on daily balance. Less than 1 year certificates post dividends at maturity; 1 year or longer certificates compound dividends quarterly. Withdrawal before maturity subject to penalty. Minimum required certificate amount is $500, maximum balance is $1,000,000 per member. Membership requires completing payment of one $5.00 share.

Offer: Dividends accrue on daily balance and compound quarterly. Early withdrawal subject to penalty.