Personal

Earn up to 4% annual percentage yieldD on a 5-month CD

Minimum and new fund requirements apply.

Grow your savings by opening a certificate of deposit account

What's your next move?

New tax-deferred savings accounts for kids

See If You Qualify

Support for Your Ambitions
Built for every stage of your journey

As your ambitions change and your financial life becomes more complex, you deserve a bank designed to grow with you.

Infographic depicting the stages of financial life: defining goals, building savings, managing debt, navigating life events, investing with purpose and planning your legacy
  • Solutions that evolve with you

    Your goals aren't static. From everyday banking to advanced financial planning, we tailor solutions to support what's next.

  • Relationships that put you first

    While we're one of the nation's largest banks, we remain family-led and guided by a simple belief—banking is about people first.

  • Stability you can trust

    Our strong balance sheet, disciplined risk management and commitment to security allow you to move forward with confidence.

Open a First Citizens account

Grow Your Assets
Make your money work harder

From short-term goals to long-term ambitions, the right strategy can make a meaningful difference. Explore competitive deposit and investing options designed to help your money grow.

Compare checking accounts

Is a CD right for you?

Understand how certificates of deposit work, their key benefits and when locking in a rate may make sense.

Learn How CDs Work

Invest on your terms

Find the right investing path by using our automated tool or building your own low-cost portfolio.

Invest for the Future

Optimize your retirement savings

Compare the benefits of traditional versus Roth IRAs, and explore the tax advantages that can support long-term growth.

Explore Our IRA Guide

First Citizens Digital Banking
Take control of your money

Simplify the way you bank with secure digital tools designed around your life. Track expenses, build a budget, transfer funds and monitor accounts and cards—all in one place.

Already have an account? Log in here.

Explore Digital Banking
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Financial Planning Tools
Calculate your next steps

Browse More Calculators

From Our Experts
Insights for smarter financial decisions

Taxes

Simple tactics to reduce your tax bill

Learn the deductions and credits that can help you lower your taxes this year.
Most tax-reduction strategies fall into two categories: tax credits and tax deductions.
Security

Learn to address scams targeting elders

Safeguard your parents' financial security using a few practical tactics.
Effective elder fraud prevention starts with early action. The sooner you talk to aging parents about protecting their assets, the better prepared they'll be.
Investing

How to choose IRA investments

Learn how to choose IRA investments that align with your personal risk tolerance and support your retirement savings goals.
By understanding the various IRA investment options available and the importance of diversification, you can build a portfolio that supports your long-term retirement savings objectives.
Read More Articles

APY (annual percentage yield) is accurate as of ${date-today}. Penalty may be imposed for early withdrawal.

This material is for informational purposes only and is not intended to be an offer, specific investment strategy, recommendation, or solicitation to purchase or sell any security or insurance product, and should not be construed as legal, tax, or accounting advice. Please consult with your legal or tax advisor regarding the particular facts and circumstances of your situation prior to making any financial decision. While we believe that the information presented is from reliable sources, we do not represent, warrant, or guarantee that it is accurate or complete.

Your investments in securities and insurance products are not insured by the FDIC or any other federal government agency and may lose value. They are not deposits or other obligations of, or guaranteed by, any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amounts invested. Past performance does not guarantee future results. There is no guarantee that a strategy will achieve its objective.

About the Entities, Brands, Products and Services Offered

First Citizens Wealth® (FCW) is a registered trademark of First Citizens BancShares, Inc., a bank holding company. The following affiliates of First Citizens BancShares Inc. are the entities through which FCW products and services are offered. Brokerage products and services are offered through First Citizens Investor Services, Inc. (FCIS), a registered broker-dealer, Member and . Advisory services are offered through FCIS, First Citizens Asset Management, Inc. (FCAM), and SVB Wealth LLC (SVBW), all SEC registered investment advisers. Certain brokerage and advisory products and services may not be available from all investment professionals, in all jurisdictions, or to all investors. Insurance products are offered through FCIS, a licensed insurance agency. Banking, lending, trust products and services, and certain insurance products are offered by First-Citizens Bank & Trust Company, Member , and an Equal Housing Lender icon: sys-ehl, and First Citizens Delaware Trust Company.

For more information about FCIS, FCAM, or SVBW and its investment professionals, visit: FirstCitizens.com/Wealth/Disclosures.

See more about First Citizens Investor Services, Inc. and our investment professionals at .

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. icon: sys-ehl.

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