Adjustable-Rate Mortgages

Get more from your home and money

Lower Initial Payments

Keep cash on hand when you start out with lower payments.

Lower Initial Rate

Initial rates are typically below those of fixed-rate mortgages.

Interest Rate Ceilings

Limit your risk with protection from interest rate changes.

Get more from your home and money

Application Requirements

Qualify for an adjustable-rate home loan

Create an account in our online application platform. Here's what you'll need to apply for an adjustable-rate mortgage.

Social Security number
Employer contact information
Estimated income, assets and liabilities
Details on the property you're interested in buying

Regular adjustments

After the initial period, your interest rates adjust at specific adjustment dates.

Choose your term

Choose from a variety of terms and rate adjustment schedules.

Buffer market swings

Interest rate ceilings protect you from large swings in interest rates.

Pay online

Make mortgage payments online with your First Citizens checking account.

Get assistance

If you're eligible for down payment assistance, you may be able to make a lower lump sum payment.

Get guidance through the homebuying process. We're here to help.

Find a Mortgage Banker

Homeowner Insurance

Keep your home and your family safe

Get the right homeowners insurance to meet your family's needs.

Auto Insurance

Protect all your vehicles

Find the right combination of coverage for your vehicle and its passengers.

An adjustable-rate mortgage, or ARM, is a type of home loan that starts with a low interest rate—typically below the market rate—that may be adjusted periodically over the life of the loan. As a result of these changes, your monthly payments may also go up or down. Some lenders call this a variable-rate mortgage.

Changes to your interest rate depend on the terms of your loan. Many adjustable-rate mortgages are adjusted yearly, but others may adjust monthly, quarterly, semi-annually, or once every 3 to 5 years. Typically, the interest rate is fixed for an initial period of time before adjustment periods begin. For example, a 5/6 ARM is an adjustable-rate mortgage that's fixed for the first 5 years before becoming adjustable twice a year—once every 6 months—afterwards.

Interest rates for adjustable-rate mortgages depend on a number of factors. First, lenders look to a major mortgage index to determine the current market rate. Typically, an adjustable-rate mortgage will start with a teaser interest rate set below the market rate for a period of time, such as 3 or 5 years. After that, the interest rate will be a combination of the current market rate and the loan's margin, which is a preset number that doesn't change.

For example, if your margin is 2.5 and the market rate is 1.5, your interest rate would be 4% for the length of that adjustment period. Many adjustable-rate mortgages also include caps to limit how much the interest rate can change per adjustment period and over the life of the loan.

Normal credit approval applies.

Not applicable in all states.

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Bonus Offer

Offer is valid on new accounts only. Company must spend $3,000 within the first three months of account opening to receive the bonus. 10,000 bonus points will be credited within 60 days of qualification under the description: Commercial Spend Bonus.

Earning Points

Accelerated Rewards Tier: Earns one and a half (1.5) points for each dollar you spend for net retail purchases (gross retail purchases less any returns or credits).

There is no monthly point cap and points do not expire as long as you remain in the Accelerated Rewards Tier.

Rewards Redemption

Businesses in the Accelerated Rewards Tier may redeem points for (i) cash back to a First Citizens checking or savings account or credit card statement credits, (ii) credit towards a First Citizens personal loan or mortgage principal, (iii) Pay Me Back statement credits, (iv) travel rewards, including airline tickets, hotel, car rentals, cruises and tours, (v) retail gift cards and certificates and (vi) merchandise and (vii) donations. Businesses in the Accelerated Rewards Tier have access to additional experiential rewards and a fixed point value airline travel reward.

These Terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible via the program website at FirstCitizensRewards.com at log in.

Program Rules are subject to change or cancellation without notice.

Bonus Offer

Offer is valid on new accounts only. To qualify, company must spend $3,000 within the first three months of account opening to receive the bonus. $100 rewards dollars will be credited within 60 days of qualification under the description: Commercial Spend Bonus.

Earning Cash Back

Cash Back Rewards: Earns (i) one (1) reward dollar for each one hundred (100) dollars you spend for net retail purchases (gross retail purchases less any returns or credits), (ii) five (5) reward dollars for each one hundred (100) dollars you spend for net retail purchases in the following rewards categories: utilities and wireless phone (4 additional reward dollars on top of the 1 reward dollar for each one hundred dollars earned on net retail purchases) for the first twelve (12) months from account opening; three (3) reward dollars for each one hundred (100) dollars you spend for net retail purchases thereafter (2 additional reward dollars on top of the 1 reward dollar for each one hundred dollars earned on net retail purchases), (iii) two (2) reward dollars for each one hundred (100) dollars you spend for net retail purchases in the follow rewards categories: gas and office supplies (1 additional rewards dollars on top of the 1 reward dollar for each one hundred dollars earned on net retail purchases).

Rewards Categories: Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.

There is no monthly point cap. Reward dollars earned are available for redemption for a 3-year term. Reward dollars expiring during the year will be cleared from the Program Account on the last day of the month in which they expire.

Rewards Redemption

Businesses may redeem reward dollars for (i) cash back to a First Citizens checking or savings account or credit card statement credits and (ii) Pay Me Back statement credits.

Program Rules are subject to change or cancellation without notice.

Bonus Offer

Offer is valid on new accounts only. To qualify, company must spend $3,000 within the first three months of account opening to receive the bonus. 10,000 bonus points will be credited within 60 days of qualification under the description: Commercial Spend Bonus.

Earning Points

Base Rewards Tier: Earns (i) one (1) point for each dollar you spend for net retail purchases (gross retail purchases less any returns or credits), (ii) three (3) points for each dollar you spend for net retail purchases in the follow rewards category: gas stations (2 additional points on top of the 1 point per dollar earned on net retail purchases), (iii) two (2) points for each dollar you spend for net retail purchases in the following rewards categories: restaurants and travel (airlines, auto rental, and lodging) (1 additional point on top of the 1 point per dollar earned on net retail purchases).

Businesses may earn up to 10,000 points per calendar month, excluding bonus points. Points earned are available for redemption for a 3 year term. Points expiring during the year will be cleared from the Program Account on the last day of the month in which they expire.

Rewards Redemption

Businesses in the Base Rewards Tier may redeem points for (i) cash back to a First Citizens checking or savings account or credit card statement credits, (ii) credit towards a First Citizens personal loan or mortgage principal, (iii) Pay Me Back statement credits, (iv) travel rewards, including airline tickets, hotel, car rentals, cruises and tours, (v) retail gift cards and certificates and (vi) merchandise and (vii) donations.

Program Rules are subject to change or cancellation without notice.

Let's get started

A few things to know before opening an account:

You'll need to be an existing First Citizens Business Customer with a Business Digital Banking login to open an account.
Your business must be a sole proprietorship, an LLC or a corporation. If you have any other business structure, you’ll need to visit a branch to open an account.

Find a Branch

Let's get started

A few things to know before opening an account:

You'll need to be an existing First Citizens Business Customer with a Business Digital Banking login to open an account.
Your business must be a sole proprietorship, an LLC or a corporation. If you have any other business structure, you’ll need to visit a branch to open an account.

Find a Branch

Let's get started

A few things to know before opening an account:

You'll need to be an existing First Citizens Business Customer with a Business Digital Banking login to open an account.
Your business must be a sole proprietorship, an LLCor a corporation. If you have any other business structure, you’ll need to visit a branch to open an account.

Find a Branch

Let's get started

A few things to know before opening an account:

You'll need to be an existing First Citizens Business Customer with a Business Digital Banking login to open an account.
Your business must be a sole proprietorship, an LLC or a corporation. If you have any other business structure, you’ll need to visit a branch to open an account.

Find a Branch

Thank you. We'll be in touch.

You'll receive an email response within 60 days.

The following questions will allow us to assess and review information about your organization and hold in our active file for Community Reinvestment Act (CRA) evaluation.

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Enter your organization's tax Employer Identification Number (EIN)*

Enter your organization's tax EIN

Purpose of Community Development

What percent of your organizational client population served is low income?*

Enter a percent

What percent of your organizational client population served is moderate income?*

Enter a percent

Expected number of low- or moderate-income individuals to be served with grant*

Expected number of jobs created/retained for low- or moderate-income individuals*

What amount are you applying for?*

Comments

Upon selecting Submit, we'll process the information for CRA qualification and respond to you within 60 days or less. Thank you.

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Thank you for your interest in the Dan Clifton webinar. Please complete the short form and a Wealth partner will contact you soon with the replay information.

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We'll process your request and respond within 45 days. Our response may either:

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Looking to open a small business account? Get started

2,500 New Enrollment Bonus

The new enrollment bonus offer is available at account opening to new cardholders in the Accelerated Rewards Tier of the First Citizens Rewards® credit card or existing cardholders who upgrade to the Accelerated Rewards Tier. Not valid with any other promotional offers.

Earning Points

At the Accelerated Rewards Tier, you will earn 1.5 points for each $1 you spend for all net retail purchases (gross retail purchases less any returns or credits). Earned points are calculated on actual dollars spent rounded up or down to the nearest point. Points will be deducted from the available rewards account balance for all returned purchases. There is no monthly point cap and points do not expire as long as you remain in the Accelerated Rewards Tier.

Redeeming Points

Each point is worth $0.01, which means that 100 points equals $1 in redemption value. Redemptions start as low as 10,000 points. Some limitations may apply.

You may redeem points back into other First Citizens banking products:

Cash Back to an existing First Citizens Bank checking account, savings account or credit card account
Account credits towards a First Citizens personal loan or mortgage

Cash back and account credit redemptions must be completed through the Program website, however a statement credit back to your First Citizens Card can also be redeemed through the First Citizens Rewards Call Center. The redemptions will post within 2-8 business days. No First Citizens card or mortgage account credit will be applied, in whole or in part, against any monthly minimum payment due, however, account credits to your First Citizens consumer loan will be applied first to your outstanding interest and any remaining amount will be applied to your principal.

Cardholders in the Accelerated Rewards Tier may redeem 50,000 points for one continental flight when the flight is booked at least 21 days in advance and includes a Saturday night stay. This reward is only available for redemption on coach tickets priced below $1,000.00. Tickets priced above $1,000.00 are not eligible for this reward.

Redemptions are also available for travel, including airline tickets, hotel, car rentals, cruises and tours, retail gift cards and certificates, donations and merchandise.

You may use points for a Pay Me Back® redemption, meaning a statement credit for the corresponding dollar amount will be applied to your First Citizens Rewards card that was used for the purchases over $100. Some exclusions apply to certain categories of transactions. No statement credit will be applied, in whole or in part, against any monthly minimum payment due.

These terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible through the program website at FirstCitizensRewards.com at log in.

Program rules are subject to change or cancellation without notice.

Earning Reward Dollars

With Cash Back Rewards, you will earn 1 reward dollar for each $100 net dollars you spend for net retail purchases (gross retail purchases less any returns or credits). Earned reward dollars are calculated on actual dollars spent rounded up or down to the nearest point. Reward dollars will be deducted from the available rewards account balance for all returned purchases.

There is no monthly earnings cap. Reward dollars earned are available for redemption for 3 years. Reward dollars expiring during the year will be cleared from your Program Account on the last day of the month in which they expire.

Redeeming Reward Dollars

Each reward dollar is worth $1, which means that $100 reward dollars equals $100 in redemption value. Redemptions start as low as $25 rewards dollars.

You may redeem reward dollars back into other First Citizens banking products:

Cash Back to an existing First Citizens Bank checking account, savings account or credit card account
Account credits towards a First Citizens personal loan or mortgage

Cash back and account credit redemptions must be completed through the program website, however a statement credit back to your First Citizens Card can also be redeemed through the First Citizens Rewards Call Center. The redemptions will post within 2 to 8 business days. No First Citizens card or mortgage account credit will be applied, in whole or in part, against any monthly minimum payment due, however, account credits to your First Citizens consumer loan will be applied first to your outstanding interest and any remaining amount will be applied to your principal.

You may redeem rewards dollars for account credits to be deposited to your First Citizens checking or savings account or applied to your First Citizens credit card, consumer loan or mortgage.

You may use reward dollars for a Pay Me Back® redemption, meaning a statement credit for the corresponding dollar amount will be applied to your First Citizens Rewards card that was used for the purchases over $100. Some exclusions apply to certain categories of transactions. No statement credit will be applied, in whole or in part, against any monthly minimum payment due.

Program rules are subject to change or cancellation without notice.

	Example
Cash back	2,500 points/reward dollars = $25 cash back
Travel	17,766 points = a roundtrip flight costing $177.66
Gift cards	5,000 points = $50 gift card
Pay me back	12,500 points = $125 statement credit for purchasing a smart speaker with a retail value of $125
Pay my loan	2,500 points/reward dollars = $25 credit applied to your First Citizens mortgage
Merchandise	27,100 points = Wireless headphones with a retail value of $271
Donate to Teen Cancer America	1,500 points = $15 donation to Teen Cancer America

Earning Points

At the Base Rewards Tier, you will earn 1 point for each $1 you spend for all net retail purchases (gross retail purchases less any returns or credits). Earned points are calculated on actual dollars spent rounded up or down to the nearest point. Points will be deducted from the available rewards account balance for all returned purchases.

At the Base Rewards Tier, cardholders may earn up to 10,000 points per calendar month. Points earned are available for redemption for a 3-year term. After the 3-year term, points expire and can no longer be redeemed. Points expiring during the year will be cleared from your Program Account on the last day of the month in which they expire.

Redeeming Points

Each point is worth $0.01, which means that 100 points equals $1 in redemption value. Redemptions start as low as 10,000 points. All rewards redemptions can be made through the First Citizens Rewards Center by telephone or through the program website. Some limitations apply.

You may redeem points back into other First Citizens banking products:

Cash Back to an existing First Citizens Bank checking account, savings account or credit card account
Account credits towards a First Citizens personal loan or mortgage

Redemptions are also available for retail gift cards and certificates, donations and merchandise.

These Terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible through the program website at FirstCitizensRewards.com at log in.

Program Rules are subject to change or cancellation without notice.

Get pre-qualified online in 4 steps

When you select the link below, you'll be taken to the login page for our mortgage application system.
On that page, select the Create Account button located below the Log In button. Even if you have a First Citizens digital banking account, you'll need to create an account for our application system.
Once you've created an account, you can log in to fill out and submit your application. Submitting an application doesn't mean you're agreeing to a loan.
After receiving your application, a mortgage banker will reach out to you to discuss your options.

Or contact a local mortgage banker

If you'd prefer to talk with someone directly, you can call 877-627-5688 or search our local directory to find a mortgage banker near you.

What are you looking for most in a credit card?

Flexible Rewards

Cash back

A low interest rate

Do you plan to use this card for everyday purchases?

Yes

In addition to cash back, are you also interested in earning points redeemable for gift card, merchandise and more?

Yes

Are you also interested in earning rewards?

Yes

Based on your answers, here's what we recommend

Recommended

Accelerated Earnings Card

Earn 50% more points on everyday purchases and get exclusive travel rewards.

Earn rewards faster
Use rewards for exclusive travel experiences
Get an introductory balance transfer offer

Recommended

Rewards Card

Earn points by making everyday purchases and pay no annual rewards program fee.

Earn rewards
Pay no annual fee
Get an introductory balance transfer offer

Recommended

Cash Back Card

Transform everyday purchases into unlimited cash back.

Earn cash back
Use rewards as statement credits
Get an introductory balance transfer offer

Recommended

Smart Option Card

Get our lowest available rate.

Consolidate higher interest rate balances
Pay no annual fee
Get an introductory balance transfer offer

Still not sure? Compare Accounts

Need to make a change?

Adjustable-Rate Mortgages

Get more from your home and money

Qualify for an adjustable-rate home loan

Vary rates for varying needs

Regular adjustments

Choose your term

Buffer market swings

Pay online

Get assistance

Get guidance through the homebuying process. We're here to help.

Keep your home and your family safe

Protect all your vehicles

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