Latest First Citizens Bank Interest Rates - September 2026

First Citizens Bank Interest Rates & Loan Products Overview

Quick Summary: Key benchmark reference rates, consumer retail deposit yields, and financing solutions published by First Citizens Bank (FCNCA):

Featured Rates & Products:

• Deposit Accounts & CDs: The Online Savings Account yields 0.10% APY with a $50 minimum deposit, Money Market accounts yield between 0.05% and 0.15% APY, and standard Certificates of Deposit (CDs) yield 2.50% APY (3 to 5 months), 2.25% APY (6 to 11 months), and 2.00% APY (12 months), with special online new money promo tiers reaching up to 3.75% - 4.00% APY.
• Mortgage Loans: 30-Year Fixed purchase mortgage interest rates start around 6.875% (approx. 7.05% APR), offering low-down-payment options with financing up to 97% LTV and no prepayment penalties.
• Auto Financing: Fixed-rate auto loans are available for new and pre-owned vehicles with competitive rates starting around 6.74% APR and extended terms up to 84 months.
• Personal Loans: Unsecured and secured personal installment loans offer fixed APRs ranging from 8.49% to 21.99% with flexible terms and no prepayment penalties.
• Credit Cards: The First Citizens Rewards Credit Card features an introductory 0% APR on balance transfers for 12 months, followed by an ongoing variable purchase APR starting from 16.49% to 25.49%.
• Benchmark Index: The reference First Citizens Bank Prime Lending Rate is 6.75%.

💡 Financial Tip: First Citizens Bank offers customized relationship banking through local branch mortgage bankers and specialized lending officers; reviewing loan terms and evaluating closing cost credits can maximize overall savings.