Rate updated · 64 banks tracked
First Citizens Bank savings account rate: 0.10% APY
First Citizens Bank pays 0.10% on its savings account — ranking in the bottom quartile of the 64 banks SwitchWize tracks, where the best available rate is 4.10%. (Updated September 16, 2026.)
Is First Citizens Bank a good savings rate? Not really. At 0.10% it trails the 4.10% best available rate, leaving about $1,001 a year on the table on a $25,000 balance.
The gap, in your dollars
At 0.10%, $25,000 earns $25/yr here versus $1,026/yr at the field leader — a $1,001/yr difference.
See your exact number →Higher-paying alternatives we track
Rates subject to change. Verify before switching.
Frequently asked questions
What is First Citizens Bank's savings account interest rate?▾
First Citizens Bank pays 0.10% APY on its savings account as of September 16, 2026, based on rates SwitchWize tracks across 64 banks.
Is First Citizens Bank's savings rate good?▾
First Citizens Bank's 0.10% ranks in the bottom quartile of tracked banks. The best available rate is 4.10% and the FDIC national average is 0.38%.
Which banks pay more than First Citizens Bank?▾
Higher-paying tracked options include south state bank, first horizon bank, cash app. Compare rates at /banks to find the best current option.
General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.