First Citizens Bank CD Rates — October 2026

Also known as First Citizens, First-Citizens Bank.

As of October 22, 2026, First Citizens Bank's highest CD rate is 4.00% APY on a 5-month promotional CD ($5,000 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.02% to 2.50% APY.

Last verified October 22, 2026 from www.firstcitizens.com · FDIC-insured bank · Raleigh, NC

Tracking began October 22, 2026.

Best APY4.00%5 months, $5,000 min

vs. Treasury−0.39%same-term Treasury 4.39%

vs. national average2.9×FDIC national average 1.39%

After inflation0.26%CPI 3.7% year over year

$10,000 earns$165over 5 months, before tax

First Citizens Bank CD rates

First Citizens also operates CIT Bank online; CIT rates have their own page.

First Citizens Bank CD rates
Term	Product	Minimum	APY	vs. Treasury
3 months	Certificate of Deposit	$500	2.50%Verified October 22, 2026	−1.79%
5 months	5-Month CD Promotional	$5,000	4.00%Verified October 22, 2026	−0.39%
6 months	Certificate of Deposit	$500	2.25%Verified October 22, 2026	−2.15%
11 months	11-Month CD Promotional	$5,000	3.75%Verified October 22, 2026	−0.79%
12 months	Certificate of Deposit	$500	2.00%Verified October 22, 2026	−2.57%
18 months	Certificate of Deposit	$500	0.02%Verified October 22, 2026	−4.70%
24 months	Certificate of Deposit	$500	0.05%Verified October 22, 2026	−4.82%
36 months	Certificate of Deposit	$500	0.05%Verified October 22, 2026	−4.90%
48 months	Certificate of Deposit	$500	0.15%Verified October 22, 2026	−4.83%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

Watch the renewal rate

The best promotional rate here is 4.00% APY (5 months). The standard rate for a similar term is 2.25% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $175 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal

What are First Citizens Bank's best CD rates by term?

First Citizens Bank's best rate is 4.00% APY on 5 months, verified October 22, 2026.

3 mo2.50%
5 mo4.00%
6 mo2.25%
11 mo3.75%
12 mo2.00%
18 mo0.02%
24 mo0.05%
36 mo0.05%
48 mo0.15%

Calculate earnings at 4.00% for 5 months

How First Citizens Bank compares

Best 6-month rate among the institutions we track: Wings Credit Union (formerly Ent) at 4.80% APY.
Popular Direct: best 5.00% APY on 60 months.
Barclays: best 4.75% APY on 24 months.
Sallie Mae Bank: best 4.75% APY on 60 months.
6-month Treasury: 4.39% APY-equivalent.

Rate changes

No changes since we started tracking First Citizens Bank on October 22, 2026.

About First Citizens Bank

Legal name: First-Citizens Bank & Trust Company
Regulator ID: FDIC 11063
Headquarters: Raleigh, NC
Available in: AZ, CA, CO, FL, GA, HI, KS, MA, MD, MO, NC, NE, NM, NV, OK, OR, SC, TN, TX, VA, WA, WI, WV
Total assets: $236.3 billion
Also known as: First Citizens, First-Citizens Bank
Website: www.firstcitizens.com

Source: rates read from https://www.firstcitizens.com/personal/savings/certificates-of-deposit. See the page text we read.

Frequently asked questions

What is the highest CD rate at First Citizens Bank?

4.00% APY on a 5-month promotional CD, as of October 22, 2026.

What is the minimum deposit for a First Citizens Bank CD?

The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $5,000.

How does First Citizens Bank's best CD rate compare with Treasury yields?

4.00% APY is −0.39% versus the 5-month Treasury yield of 4.39% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.00% a good CD rate?

It is 2.9 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are First Citizens Bank CDs insured?

First Citizens Bank is an FDIC-insured bank (FDIC 11063). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check First Citizens Bank's rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from First Citizens Bank's website and may change at any time. Confirm terms, minimums and eligibility with First Citizens Bank before opening an account. This page is not financial advice.