Latest First Citizens Bank Interest Rates - September 2026

First Citizens Bank Interest Rates & Loan Products Overview

Quick Summary: Official retail interest rates and consumer financing products offered nationwide by First Citizens Bank (FCNCA):

Key Benchmark & Deposit Rates:

• Reference Prime Rate: Standing at 6.75%, indexing floating-rate lending products, revolving lines of credit, and variable card APRs.
• Savings & CDs: Standard First Citizens Online Savings accounts earn 0.10% APY with no monthly service fee. Certificates of Deposit (CDs) offer yields of 2.50% APY (3 to 5 months), 2.25% APY (6 to 11 months), and 2.00% APY (12 months) for a $500 minimum opening deposit, with promotional short-term specials reaching up to 4.00% APY.

Consumer Loans & Retail Financing:

• Mortgage Loans: Standard 30-Year Fixed purchase mortgages start around 6.650% APR, alongside 15-Year Fixed and ARM financing options with loan terms up to 30 years, zero prepayment penalties, and customized programs for medical professionals and jumbo borrowers.
• Auto Financing: Fixed-rate auto loans for new and used vehicles start as low as 5.99% APR for 60-month amortizations, with extended repayment terms available up to 84 months (7 years).
• Personal Loans: Fixed and variable unsecured personal installment loans feature APRs starting from 7.99% for qualified borrowers, with zero prepayment penalties and structured monthly amortization.
• Credit Cards: Consumer cards (e.g., the Smart Option® Visa® Card) feature introductory 0% APR promotions for balance transfers, followed by low purchase APRs starting at 13.49% (scaling to 22.49% to 25.49% across cash back and travel reward tiers) with a 25-day grace period.

💡 Financial Tip: Retail rates, CD yields, and mortgage pricing may vary depending on borrower credit profile, deposit relationship status, and local ZIP code. Confirm exact real-time rates directly on FirstCitizens.com prior to applying.