Helping You Make the Most of Your Money
Rates and annual percentage yields (APY) effective as of October 6, 2026. Subject to change. Contact us with any questions.
Rates and annual percentage yields (APY) effective as of October 6, 2026. Subject to change. Contact us with any questions.
Comparison table of Checking Accounts
Account
Daily minimum balance to earn APY
Interest Rate
APY
Checking Plus*
$1,500.00
0.02%
0.02%
*There is no minimum balance to open. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the collected balance in the account each day. You must maintain a balance of at least $1,500 in the account each day to obtain the disclosed annual percentage yield and avoid the $8 monthly maintenance fee. Interest rates and annual percentage yields are variable and subject to change daily. Fees could reduce earnings.
Rates and annual percentage yields (APY) effective as of October 6, 2026. Subject to change. Contact us with any questions.
Comparison table of Savings Accounts
Account
Daily minimum balance to earn APY
Interest Rate
APY
Basic Savings*
$0.01
0.03%
0.03%
Power Savers**
$0.01
0.03%
0.03%
Christmas Club***
$0.01
0.03%
0.03%
Tiered Savings Accounts
Comparison table of Tiered Savings Accounts
Account
Daily minimum balance to earn APY
Interest Rate
APY
Platinum Savings****
$9,999.99 and below
0.00%
0.00%
Platinum Savings****
$10,000–$49,999.99
0.25%
0.25%
Platinum Savings****
$50,000–$99,999.99
0.35%
0.35%
Platinum Savings****
$100,000–$249,999.99
1.20%
1.21%
Platinum Savings****
$250,000–$999,999.99
1.75%
1.76%
Platinum Savings****
$1,000,000–$1,999,999.99
2.70%
2.73%
Platinum Savings****
$2,000,000 and $4,999,999.99
3.10%
3.14%
Platinum Savings****
$5,000,000 and above
3.63%
3.69%
*There is no minimum balance to open. $100 minimum average collected balance is required to avoid a maintenance fee. If the minimum average collected balance is not met, a $2.00 monthly maintenance fee will be assessed. (Excludes applicable taxes.) Interest rates and annual percentage yields are variable and subject to change daily. Fees could reduce earnings.
**Minimum opening deposit: $5.00. No minimum balance required to maintain this account. Interest is earned on daily collected balance and paid quarterly. No monthly fee.
***There is no minimum balance to open. No minimum balance required to maintain this account. No interest earned on balances over $5,000.00. 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. Interest rates and annual percentage yields are variable and subject to change daily. Fees could reduce earnings.
****No minimum balance to open. $10,000 minimum average collected balance is required to avoid a maintenance fee. If the minimum average collected balance is not met, a $25.00 monthly fee will be assessed. (Excludes applicable taxes.) Interest rates and annual percentage yields are variable and subject to change daily. Fees could reduce earnings.
Rates and annual percentage yields (APY) effective as of October 6, 2026. Subject to change. Contact us with any questions.
6-Month Term**
Comparison table of 6-Month Term**
Tier Balance
Interest Rate
APY
$1,000–$4,999.99
3.00%
3.02%
$5,000–$24,999.99
3.10%
3.12%
$25,000–$49,999.99
3.20%
3.23%
$50,000 and above
3.30%
3.33%
Interest compounds and is paid at maturity. Minimum balance to open is $1,000.
12-Month Term**
Comparison table of 12-Month Term**
Tier Balance
Interest Rate
APY
$1,000–$4,999.99
2.95%
2.98%
$5,000–$24,999.99
3.05%
3.09%
$25,000–$49,999.99
3.15%
3.19%
$50,000 and above
3.25%
3.29%
Interest compounds and is paid quarterly. Minimum balance to open is $1,000.
18-Month Term***
Comparison table of 18-Month Term***
Tier Balance
Interest Rate
APY
$1,000–$4,999.99
2.85%
2.88%
$5,000–$24,999.99
2.95%
2.98%
$25,000–$49,999.99
3.05%
3.09%
$50,000 and above
3.15%
3.19%
Interest compounds and is paid quarterly. Minimum balance to open is $1,000.
24-Month Term***
Comparison table of 24-Month Term***
Tier Balance
Interest Rate
APY
$1,000–$4,999.99
2.70%
2.73%
$5,000–$24,999.99
2.80%
2.83%
$25,000–$49,999.99
2.90%
2.93%
$50,000 and above
3.00%
3.03%
Interest compounds and is paid quarterly. Minimum balance to open is $1,000.
36-Month Term****
Comparison table of 36-Month Term****
Tier Balance
Interest Rate
APY
$1,000–$4,999.99
3.20%
3.24%
$5,000–$24,999.99
3.30%
3.34%
$25,000–$49,999.99
3.40%
3.44%
$50,000 and above
3.50%
3.55%
Interest compounds and is paid quarterly. One time bump option available. Minimum balance to open is $1,000.
48-Month Term****
Comparison table of 48-Month Term****
Tier Balance
Interest Rate
APY
$1,000–$4,999.99
3.20%
3.24%
$5,000–$24,999.99
3.30%
3.34%
$25,000–$49,999.99
3.40%
3.44%
$50,000 and above
3.50%
3.55%
Interest compounds and is paid quarterly. One time bump option available. Minimum balance to open is $1,000.
60-Month Term****
Comparison table of 60-Month Term****
Tier Balance
Interest Rate
APY
$1,000–$4,999.99
3.20%
3.24%
$5,000–$24,999.99
3.30%
3.34%
$25,000–$49,999.99
3.40%
3.44%
$50,000 and above
3.50%
3.55%
Interest compounds and is paid quarterly. One time bump option available. Minimum balance to open is $1,000.
Minimum balance to open is $1,000.We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). A withdrawal and/or fees could reduce earnings on these accounts.
Ask a personal banker for minimum balance to open and other account information.
** Penalty for early withdrawal will be equal to 90 days interest.
*** Penalty for early withdrawal will be equal to 180 days interest.
**** Penalty for early withdrawal will be equal to 365 days interest.
