Certificates of Deposit

Leave uncertainty behind with a steady rate CD

Benefits and Pricing

Steady rates and flexible terms

Earn more

Earn up to 0.15% APYD depending on the term you select.

Easily open

Choose a CD with the minimum opening depositD you're comfortable with, starting at $500.

Insured

Your money is insured by the Federal Deposit Insurance Corporation.

Get alerts

Securely keep track of your account activity with text and email alerts.

Bank when you want

Enjoy free digital banking, bill pay and 24/7 mobile deposits.

Special Feature CDs

Align your funds with your financial goals

Term

Minimum Opening DepositD

APYD

6 month automatic saverDD

$500

0.01%

1 year convertibleDD

$500

0.01% ≥  $49,000
0.02% ≥ $50,000

1+ year premierDD

$5,000

0.10%

Rates may vary depending on your area. Contact your local branch for details.

Rates and Terms

Align your funds with your financial goals

Term

Minimum Opening DepositD

APYD

6 months

$500

0.01%

12 months

$500

0.01%

18 months

$500

0.02%

2 years

$500

0.05%

3 years

$500

0.05%

4 years

$500

0.15%

5 years

$500

0.15%

Rates may vary depending on your area. Contact your local branch for details.

Payments & Transfers

Instantly move your money wherever you need it

Pay your bills from any device

Send money with Zelle®

Transfer funds to other accounts

Payments & Transfers

Instantly move your money wherever you need it

Pay your bills from any device

Payments & Transfers

Instantly move your money wherever you need it

Send money with Zelle®

Payments & Transfers

Instantly move your money wherever you need it

Transfer funds to other accounts

Online Savings

Save online, simply and conveniently

Open an online savings account with a low minimum opening deposit of $25.
Free Checking

Keep banking simple with free checking

Enjoy the freedom of no monthly maintenance fee when you enroll in paperless statements.

Account openings and credit are subject to bank approval.

For complete list of account details and fees, see our Personal Account Disclosures.

First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app or First Citizens Text Banking. 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.

APY (annual percentage yield) is accurate as of ${date-today}. Penalty may be imposed for early withdrawal. No brokered CDs accepted. Other restrictions and fees may apply. Fees could reduce the earnings on the account.

You may make additional deposits of $50 or more to CDs longer than 181 days. A Premier or Prestige checking account is required to receive the Premier CD.

Minimum opening deposit balance must be maintained to obtain annual percentage yield (APY).

First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app or First Citizens Text Banking. 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.

Limited-time offer that may be withdrawn or changed at any time without notice.  Public Funds are not available for CD promotional rates. After you open your account, you may not make additional deposits to your account until it matures.

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.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.