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Let us help you find the right product to help you reach your savings goal.

Savings Scroll to disclosure: 1 Scroll to disclosure: 2 Scroll to disclosure: 3

Reach your goals with interest rates to help maximize your return. APY conditions apply Scroll to disclosure: 4 . FDIC-insured.

    Savings Products
    Account APY2 Minimum balances  
    Platinum Savings3 3.75%

    Opening: $100

    Daily: ≥$5,000

    		Open a Platinum Savings account
    Platinum Savings3 0.25%

    Opening: $100

    Daily: <$5,000

    		Open a Platinum Savings account
    Savings Builder4

    0.40%*

    Opening: $100

    Daily: <$25,000

    		Open a Savings Builder account
    Savings Builder4 1.00%**

    Opening: $100

    Daily: <$25,000 but with monthly deposit of $100 or more

    		Open a Savings Builder account
    Savings Builder4 1.00%

    Opening: $100

    Daily: ≥$25,000

    		Open a Savings Builder account
    Savings Connect 3.65%

    Opening: $100

    		 Open a Savings Connect account
    Start saving

    Money Market Scroll to disclosure: 1

    High-yield rates. Flexible money access. 

      Money Market Products
      Account APY2 Minimum opening deposit  
      Money Market 1.55% $100 Open a Money Market account
      Money Market account details

      eChecking Scroll to disclosure: 1

      Interest checking with easy access to your funds.

        eChecking account
        Product Minimum opening deposit Balance Tier APY2  
        eChecking $100 <$25,000 0.10% Open eChecking account
        eChecking $100 >$25,000 0.25% Open eChecking account
        eChecking account details

        Term CDs Scroll to disclosure: 6 Scroll to disclosure: 7

        A selection of terms, all with a low minimum deposit. 13-month and 18month conditions apply Scroll to disclosure: 7 .

          Term CD Products
          Term APY2 Minimum opening deposit  
          6-Month 3.75% $1,000 Open a 6-month term CD
          1-Year 4.00% $1,000 Open a 1-year term CD
          13-Month 3.25% $1,000 Open a 13-month term CD
          18-Month 2.75% $1,000 Open an 18-month term CD
          2-Year 0.40% $1,000 Open a 2-year term CD
          3-Year 0.40% $1,000 Open a 3-year term CD
          4-Year 0.50% $1,000 Open a 4-year term CD
          5-Year  0.50% $1,000 Open a 5-year term CD
          See Term CDs

          No-Penalty CDs Scroll to disclosure: 5

          Assurance and flexibility with access to funds.

            No-Penalty Products
            Term APY2 Minimum deposit opening  
            11-Months 3.90% $1,000 Open a No-Penalty 11-month CD account
            View No-Penalty CD details

            Jumbo CDs Scroll to disclosure: 6

            Earn higher rates on bigger deposits.

              Jumbo CD Products
              Term APY2 Minimum opening deposit  
              2-Year 0.40% $100,000 Open a 2-year Jumbo CD account
              3-Year 0.40% $100,000  Open a 3-year Jumbo CD account
              4-Year 0.50% $100,000  Open a 4-year Jumbo CD account
              5-Year 0.50% $100,000  Open a 5-year Jumbo CD account
              Discover Jumbo CDs

              CIT Bank Trust Accounts

              Protect your assets with an account in the name of your established revocable trust.

              Explore Trust Accounts
              Your money is safe and sound.

              First Citizens Bank and Trust Company (FCB) is a member of the Federal Deposit Insurance Corporation (FDIC). This means your deposits are insured up to $250,000 per depositor, for each account ownership category. Deposits held under the names of First-Citizens Bank and Trust Company and all banks which are a division of FCB are not separately insured. Deposits from each of these banks must be combined for purposes of determining whether a depositor has exceeded the federal insurance deposit limit.

              Learn more about FDIC insurance