3-year term FDIC cert #11063

First-Citizens Bank & Trust Company 3-year CD rates

First-Citizens Bank & Trust Company's 3-year certificate of deposit, with current APY, peer comparison, and end-of-term earnings.

Latest snapshot observed 2026-06-08.

0.05%

APY · 3-year

Term

3-year

Minimum deposit

$500

As of

2026-06-08

How current 3-year CD rates are spread across the market. This rate is 0.05% — higher than 0% of products in this slice.

Honest Number rate database · latest snapshot per institution

Weekly national average for 3-year CDs over the past year. Latest national average: 2.20%. This product: 0.05%.

Honest Number rate database · weekly mean from observation_date

What you'd have at the end of the full 3 years term at 0.05% APY.

Initial deposit

At end of term (3 years)

$10,015

+ $15 earned

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