Certificates of Deposit (CDs)

Looking for a different term? We have short and long term CDs to suit your needs.

For all of our CDs except “Jumbo” CDs, interest is compounded daily.

Talk to a First Citizens banker or call our Rateline at 1.800.441.1705 to find out the most current rates for the CDs below.

Term	Interest Rate	Minimum Deposit
7-31 Days	Fixed interest rate based on balance tiers	$2,500
32-181 Days	Fixed interest rate based on balance tiers	$500
182-364 Days Automatic Saver^*	Fixed interest rate based on balance tiers	$500
12-Month Convertible	Fixed interest rate guaranteed to maturity. (If interest rates go up, you may convert every 90 days to a higher interest rate.)	$500
6-17 Month Quest^*	Fixed interest rate based on balance tiers.	$5,000
24-Month Step Rate	Fixed interest rate for 6 months at a time. 0.10% APY added to your current fixed APY at 6, 12 and 18 months.	$500
36-Month Callable	Fixed interest rate based on balance tiers for the first 12 months after which we may call the CD. If called, you will be given the option either to continue the CD at the new interest rate, to convert to any other First Citizens deposit account or to withdraw your funds with no penalty.	$5,000
12-60 Months	Fixed interest rate based on balance tiers	$500