Source: https://www.firstcitizens.com/personal/savings/certificates-of-deposit Read: 2026-10-22T06:59:58.000Z Skip to main content PERSONAL SMALL BUSINESS COMMERCIAL WEALTH Support Locations Search Log into our online services Log In SAVINGS Overview Education Savings Accounts More CERTIFICATES OF DEPOSIT (CDS) Leave uncertainty behind with a steady-yield CD Lock it in and let it grow With a fixed annual percentage yield, or APY,1 and terms ranging from months to years, our certificates of deposit, or CDs, are a great way to save money you don't need right away. Even higher yields Longer-term CDs may offer a higher APYs1 than savings accounts. A variety of terms Select from a variety of CD terms with varying return yields. Stable earnings Lock in your funds to a set APY1 until the maturity date. Online CDs on your terms Explore our CD options to see what works best for you, then open an account online. Earn as much as 4.00% APY.23 Open a 5-Month CD Earn as much as 3.75% APY.23 Open an 11-Month CD CD TERMS Align your funds with your savings goals Term | Minimum opening deposit | APY1 3 to 5 months | $500 | 2.50% 6 to 11 months | $500 | 2.25% 12 months | $500 | 2.00% 18 months | $500 | 0.02% 2 years | $500 | 0.05% 3 years | $500 | 0.05% 4 years | $500 | 0.15% CD yields may vary depending on your area. Contact your local branch for details. CD savings strategies CD Saving Strategies Press O for more options 2:35 Transcript CD BENEFITS & PRICING Steady yields and flexible terms Earn and save more Earn up to 2.50% APY,1 depending on the CD term you select. Reach your goals Plan ahead so you can save more for a vacation, wedding, large purchase or other life goal. FAQ General CD questions How does a certificate of deposit work? What is a CD? Can I withdraw money from a CD? How do I open a CD? PROMOTIONAL CD FAQ Online CD questions What are my funding options for online CDs? What do I need to open and fund an online CD? What are the minimum and maximum deposit amounts for online CDs? INSIGHTS A few financial insights for your life Saving 3 smart ways to invest in CDs Learn how to invest in CDs as a way to help you maximize savings while maintaining liquidity. Saving Have you considered CD laddering as a savings strategy? CD laddering is ideal for those who want FDIC-insured savings, higher interest rates and protection from market risk. Saving Get the most out of extra cash Put your extra money to work in ways that help advance your most important goals. Disclosures Account openings and credit are subject to bank approval. First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app. Mobile carrier fees may apply for data and text message usage. Check with your carrier for more information. Fees may apply for use of certain services in First Citizens Digital Banking. 1. APY (annual percentage yield) is accurate as of October 22, 2026. Penalty may be imposed for early withdrawal. 2. Requires a minimum $5,000 initial deposit. Funds must be new money, not on deposit with First Citizens currently or within the past 90 days. CD accounts can be opened online and may not be available at branch locations. This CD must be opened by an individual(s). It's not available for trusts or businesses. This CD product is not available as an IRA. This CD must be opened in the name of an individual(s) residing in a state where there is a First Citizens Bank branch. A penalty may be imposed for early withdrawal of any principal. Any withdrawal of principal or interest prior to maturity will reduce earnings on the account. For more details on our online 5-month CD, review the 5-month CD Addendum (PDF) , Opens in a new tab . For more details on our online 11-month CD, review the 11-month CD Addendum (PDF) , Opens in a new tab . 3. Limited-time offer that may be withdrawn or changed at any time without notice. Public funds are not available for CD promotional rates. A penalty may be imposed for early withdrawal of any principal. Any withdrawal of principal or interest prior to maturity will reduce earnings on the account. As a general rule, you may not make additional deposits after you open your account until the maturity date. There are exceptions to this general rule, such as 182- to 364-day CDs and all IRAs. Please consult your Disclosure of Product and Fees to determine whether additional deposits are permitted for your account. Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third-party website. Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company. Bank deposit products are offered by First-Citizens Bank. Member FDIC and an Equal Housing Lender. NMLSR ID 503941 Footer Contact Call Us Email Us Careers Support Locations Accessibility Routing Number Privacy & Security Manage Email Preferences Your Privacy Choices Company About Us Investor Relations Newsroom Community Support Terms of Use Banking Personal Small Business Commercial Wealth , Opens in a new tab , Opens in a new tab , Opens in a new tab , Opens in a new tab © 2026 First-Citizens Bank & Trust Company. All rights reserved. First Citizens Bank is a registered trademark of First Citizens BancShares, Inc. , Opens in a new tab Back to Top We care about your privacy By clicking “Accept All Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. If you would like to modify your preferences, please click the Manage Preferences. 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