Market Rate Savings

If you're looking for an easy way to start saving for a major purchase or unexpected expenses, look no further than our Market Rate Savings account. With a minimum opening deposit of just $50, you can benefit from...

  • Daily compounding interest with a tiered interest rate structure
  • Convenient online and ATM1 access
  • Free Online Banking
  • No monthly maintenance fee when you maintain a $200 minimum daily balance
  • Two withdrawals per month with no withdrawal fee. No fee on unlimited withdrawals per month if you maintain a $1,000 minimum daily balance.2

For more information or to open your account, stop by your local Branch Office or call 1-888-612-4444, or apply now.

1 In order to have ATM access to your savings account, you must also have a checking account with us.

2 You may make unlimited withdrawals by mail, in person at a First Citizens Branch or through an automated teller machine (ATM). No more than a total of 6 transfers and withdrawals may be made during a monthly statement cycle, from one account to another account you have with us, by means of a pre-authorized, automatic or telephonic transfer or electronic transmission (including transfers initiated online). A maximum of 3 of the 6 allowable transfers/withdrawals may be made payable to a third party. Payments, withdrawals or transfers to pay First Citizens Bank loan or credit card payments are allowed and not restricted. Repeated violations of the federally set limit may result in closure of the account and the bank reserves the right to prevent transfers which exceed the limits stated above. Fees may apply per item in excess of the federally allowed limit.

A fee applies to each item deposited in excess of 50 during a monthly cycle.