First Citizens Bank & Trust Company Accounts
Checking Accounts
| Account |
APY |
Min Amount |
Notes |
| Checking |
0.01% |
$1 |
Relationship
Senior Relationship Checking Available to individuals 50 years and older. Must maintain a minimum balance of $300 and/or $600 in savings account.
|
| Checking |
0.75% |
$1 |
Direct Deposit, Relationship
High Yield Checking Must have direct deposit, make 12 debit card transactions each month and receive e-Statements. If requirements are not met, APY is 0.01%.
|
| Checking |
0.01% |
$500 |
Option Rate Checking
|
| Checking |
0.01% |
$500 |
Relationship/Workplace Checking
|
| Checking |
0.01% |
$1,000 |
Option Rate Checking
|
| Checking |
0.01% |
$1,000 |
Relationship
Senior Relationship Checking Available to individuals 50 years and older. Must maintain a minimum balance of $300 and/or $600 in savings account.
|
| Checking |
0.01% |
$5,000 |
Relationship/Workplace Checking
|
| Checking |
0.01% |
$10,000 |
Relationship/Workplace Checking
|
| Checking |
0.01% |
$25,000 |
Relationship/Workplace Checking
|
| Checking |
0.01% |
$25,001 |
Direct Deposit, Relationship
High Yield Checking Must have direct deposit, make 12 debit card transactions each month and receive e-Statements. If requirements are not met, APY is 0.01%.
|
Savings Accounts
| Account |
APY |
Min Amount |
Notes |
| Savings |
0.02% |
$1 |
Money Market
|
| Savings |
0.05% |
$1 |
Premium Money Market
|
| Savings |
0.05% |
$1 |
New Money Required
Premium Money Market Special New money required. Personal accounts only.
|
| Savings |
0.02% |
$50 |
Market Rate Savings/Set to Save
|
| Savings |
0.05% |
$1,000 |
Market Rate Savings/Set to Save
|
| Savings |
0.05% |
$1,000 |
Money Market
|
| Savings |
0.20% |
$10,000 |
Premium Money Market
|
| Savings |
0.20% |
$10,000 |
New Money Required
Premium Money Market Special New money required. Personal accounts only.
|
| Savings |
0.20% |
$15,000 |
New Money Required
Premium Money Market Special New money required. Personal accounts only.
|
| Savings |
0.35% |
$25,000 |
New Money Required
Premium Money Market Special New money required. Personal accounts only.
|
| Savings |
0.25% |
$50,000 |
Premium Money Market
|
| Savings |
0.35% |
$50,000 |
New Money Required
Premium Money Market Special New money required. Personal accounts only.
|
CD Accounts
| Account |
APY |
Min Amount |
Notes |
| 31 Day CD |
0.02% |
$500 |
|
| CD - 3 Month |
0.03% |
$500 |
|
| 181 Day CD |
0.05% |
$500 |
|
| CD - 12 Month |
0.10% |
$500 |
|
| CD - 12 Month |
0.10% |
$500 |
Bump Rate-1
Option to bump up the rate once after 90 days during the term with no penalty. Maximum deposit allowed is $100K. Not available for IRA.
|
| CD - 18 Month |
0.15% |
$500 |
|
| CD - 24 Month |
0.20% |
$500 |
|
| CD - 36 Month |
0.40% |
$500 |
|
| CD - 48 Month |
0.65% |
$500 |
|
| CD - 60 Month |
0.90% |
$500 |
|
| 7 Day CD |
0.02% |
$2,500 |
|
| 15 Month CD |
0.40% |
$5,000 |
Relationship
Must have a checking account. Maximum deposit is $99,999.
|
| 7 Day CD |
0.02% |
$10,000 |
|
| 31 Day CD |
0.02% |
$10,000 |
|
| CD - 3 Month |
0.03% |
$10,000 |
|
| 181 Day CD |
0.05% |
$10,000 |
|
| CD - 12 Month |
0.10% |
$10,000 |
|
| CD - 18 Month |
0.15% |
$10,000 |
|
| CD - 24 Month |
0.20% |
$10,000 |
|
| CD - 36 Month |
0.40% |
$10,000 |
|
| CD - 48 Month |
0.65% |
$10,000 |
|
| CD - 60 Month |
0.90% |
$10,000 |
|
| 7 Day CD |
0.02% |
$100,000 |
|
| 31 Day CD |
0.02% |
$100,000 |
|
| CD - 3 Month |
0.03% |
$100,000 |
|
| 181 Day CD |
0.05% |
$100,000 |
|
| CD - 12 Month |
0.10% |
$100,000 |
|
| CD - 18 Month |
0.15% |
$100,000 |
|
| CD - 24 Month |
0.20% |
$100,000 |
|
| CD - 36 Month |
0.40% |
$100,000 |
|
| CD - 48 Month |
0.65% |
$100,000 |
|
| CD - 60 Month |
0.90% |
$100,000 |
|
IRA Accounts
| Account |
APY |
Min Amount |
Notes |
| IRA - 6 Month |
0.05% |
$100 |
|
| IRA - 12 Month |
0.10% |
$100 |
|
| IRA - 18 Month |
0.15% |
$100 |
Variable
|
| IRA - 24 Month |
0.20% |
$100 |
|
| IRA - 36 Month |
0.40% |
$100 |
|
| IRA - 48 Month |
0.65% |
$100 |
|
| IRA - 60 Month |
0.90% |
$100 |
|
| IRA - 6 Month |
0.05% |
$10,000 |
|
| IRA - 12 Month |
0.10% |
$10,000 |
|
| IRA - 24 Month |
0.20% |
$10,000 |
|
| IRA - 36 Month |
0.40% |
$10,000 |
|
| IRA - 48 Month |
0.65% |
$10,000 |
|
| IRA - 60 Month |
0.90% |
$10,000 |
|
| IRA - 6 Month |
0.05% |
$50,000 |
|
| IRA - 12 Month |
0.10% |
$50,000 |
|
| IRA - 24 Month |
0.20% |
$50,000 |
|
| IRA - 36 Month |
0.40% |
$50,000 |
|
| IRA - 48 Month |
0.65% |
$50,000 |
|
| IRA - 60 Month |
0.90% |
$50,000 |
|
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First Citizens Bank & Trust Company Company Info
First Citizens Bank & Trust Company is a financial institution providing high yield savings accounts, CDs, interest checking accounts and other banking products. We recommend contacting First Citizens Bank & Trust Company for a more in-depth list of different types of bank accounts.
First Citizens Bank & Trust Company Branch Locations
