# First Citizens Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/first-citizens-bank
Institution: First-Citizens Bank & Trust Company (FDIC 11063)
Aliases: First Citizens, First-Citizens Bank
Status: live
Last verified: 2026-10-22T06:59:58.000Z (October 22, 2026)
Official source: https://www.firstcitizens.com/personal/savings/certificates-of-deposit
Coverage: First Citizens also operates CIT Bank online; CIT rates have their own page.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 3 months | $500 | 2.50% | Not ZIP-priced | −1.79% | 2026-10-22T06:59:58.000Z | [Snapshot 151](https://apyledger.com/snapshots/151) |
| 5-Month CD | promotional | 5 months | $5,000 | 4.00% | Not ZIP-priced | −0.39% | 2026-10-22T06:59:58.000Z | [Snapshot 151](https://apyledger.com/snapshots/151) |
| Certificate of Deposit | standard | 6 months | $500 | 2.25% | Not ZIP-priced | −2.15% | 2026-10-22T06:59:58.000Z | [Snapshot 151](https://apyledger.com/snapshots/151) |
| 11-Month CD | promotional | 11 months | $5,000 | 3.75% | Not ZIP-priced | −0.79% | 2026-10-22T06:59:58.000Z | [Snapshot 151](https://apyledger.com/snapshots/151) |
| Certificate of Deposit | standard | 12 months | $500 | 2.00% | Not ZIP-priced | −2.57% | 2026-10-22T06:59:58.000Z | [Snapshot 151](https://apyledger.com/snapshots/151) |
| Certificate of Deposit | standard | 18 months | $500 | 0.02% | Not ZIP-priced | −4.70% | 2026-10-22T06:59:58.000Z | [Snapshot 151](https://apyledger.com/snapshots/151) |
| Certificate of Deposit | standard | 24 months | $500 | 0.05% | Not ZIP-priced | −4.82% | 2026-10-22T06:59:58.000Z | [Snapshot 151](https://apyledger.com/snapshots/151) |
| Certificate of Deposit | standard | 36 months | $500 | 0.05% | Not ZIP-priced | −4.90% | 2026-10-22T06:59:58.000Z | [Snapshot 151](https://apyledger.com/snapshots/151) |
| Certificate of Deposit | standard | 48 months | $500 | 0.15% | Not ZIP-priced | −4.83% | 2026-10-22T06:59:58.000Z | [Snapshot 151](https://apyledger.com/snapshots/151) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.