Savings and CDs

We offer a range of savings accounts to suit your business needs.

Money Market Savings

Money Market Savings accounts deliver a higher interest rate on your liquid funds. Because the interest rates are tiered, the higher your balance, the more you earn. These accounts allow unlimited transactions in person or at any ATM1, which makes it a good way to invest without tying up your money. We compound the interest every day and credit your account monthly.

Commercial Money Market Savings

This tiered account is a commercial analysis account and requires only $1,000 to open. It pays an interest rate based on the average daily collected balance.

Certificates of Deposit

We offer a variety of CDs, all with competitive interest rates. Business Quest customers earn preferred rates on 6- to 17-month CDs with a minimum deposit of $5,000. For up-to-the-minute quotes, call our Rateline at 1-800-441-1705.
Click here for term, rate and minimum deposit information.

Business Savings

This account provides the fundamental benefit of savings with liquidity and a stable source of interest-bearing funds. Business Savings is a practical, no-nonsense account. With a low initial deposit requirement, it's perfect for even the smallest businesses.

1 Federal regulations restrict preauthorized fund transfers on money market investment accounts and savings accounts. You are not permitted to make more than six (6) preauthorized transfers per statement period. Preauthorized transfers include transfers to third parties by preauthorized means, automated transfers or telephone transfers between your First Citizens Bank accounts (unless the transfer is for the purpose of repaying a loan). There is an additional charge for excessive transfers or withdrawals disclosed under each account type. You may make unlimited withdrawals or transfers in person, by mail, or through an ATM. Continued excessive preauthorized transactions will result in the money market investment account being closed or converted to a checking account.