Banks | First-Citizens Bank & Trust Company

First-Citizens Bank & Trust Company

For information concerning OneWest Bank, a division of First-Citizens Bank and Trust online bank, please click here.

First-Citizens Bank & Trust Company ACH Number: 053100300

First-Citizens Bank & Trust Company is an FDIC insured institution headquartered at 239 Fayetteville St, Raleigh, NC 27601.
It was founded in 0000 and has approximately $209 billion in assets. Customers can open an account at one of its 616 branches.

Deposit Rates - October 4, 2023

SAVINGS RATES APY MIN
Savings
0.03% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.01% $10,000 Compare
6 Mo CD
0.01% $100,000 Compare
12 Mo CD
0.01% $10,000 Compare
12 Mo CD
0.01% $100,000 Compare
18 Mo CD
0.02% $10,000 Compare
18 Mo CD
0.02% $100,000 Compare
24 Mo CD
0.05% $10,000 Compare
24 Mo CD
0.05% $100,000 Compare
30 Mo CD
0.05% $100,000 Compare
36 Mo CD
0.05% $10,000 Compare
36 Mo CD
0.05% $100,000 Compare
48 Mo CD
0.15% $10,000 Compare
48 Mo CD
0.15% $100,000 Compare
60 Mo CD
0.15% $10,000 Compare
Compare with 4.66% APY 60 Month Online CD from M.Y. Safra Bank | Advertiser Disclosure
60 Mo CD
0.15% $100,000 Compare
Compare with 4.66% APY 60 Month Online CD from M.Y. Safra Bank | Advertiser Disclosure
MM RATES APY MIN
Money Market
0.05% $2,500 Compare
Money Market
0.05% $10,000 Compare
Money Market
0.05% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.01% $2,500

Overview 2023

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11063
Date Established 0000
Assets $ 209.41 billion
Loans $ 131.55 billion
Deposits $ 141.34 billion
Capital $ 20.01 billion

Summary Balance Sheet as of June 30, 2023

ASSETS
Cash & Balances due from depository institutions $ 38.63 billion
Interest-bearing balances $ 37.83 billion
Total securities $ 22.09 billion
Federal funds sold and reverse repurchase $ 298.07 million
Net loans and leases $ 131.55 billion
Loan loss allowance $ 1,637.33 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 62.10 million
Goodwill and other intangibles $ 676.53 million
All other assets $ 12.36 billion
     Total Assets $ 189.40 billion

LIABILITIES
Total deposits $ 141.34 billion
      Interest-bearing deposits $ 96.62 billion
      Deposits held in domestic offices $ 141.34 billion
      % insured (estimated) 60.31%
Federal funds purchased and repurchase agreements $ 454.62 million
Trading liabilities N.A.
Other borrowed funds $ 2.70 billion
Subordinated debt $ 588.27 million
All other liabilities $ 3.24 billionn
      Total Liabilities $ 189.40 billion
      Shareholders’ Equity $ 20.01 billion

Summary Income Statement as of June 30, 2023

INCOME AND EXPENSES
Total Interest Income $ 4.17 billion
Total Interest Expense $ 1,342.41 million
Net interest income $ 2.83 billion
Provision for loan and lease losses $ 934.15 million
Total non interest income $ 11.06 billion
Total non interest expense $ 2.53 billion
Pre-tax Net Operating Income $ 576.31 million

Customer Reviews for First-Citizens Bank & Trust Company (3)

Rated 3.00 stars out of 5 - based on 3 reviews

  • Something changed with CIT. They are offering a higher rate, but funding it by substantially increasing the hold times on transfers out and in. Marcus is terrible with the rates, but I can still get my money in and out fast. I thought CIT was always better. Now, less sure.

  • Sorry, we can not open account for you at this time. ????

  • I just banks by their hold times and this one is out of hand now. Fortunately, they do have a call back option (and they do call back much later). My prior experiences with the bank would lead to a 5-star rating, but I am giving it 4-stars because it does sometimes take hours (even with the call back).

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Branches

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First-Citizens Bank & Trust Company Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only.

  • 1
    LOCAL CD
    First-Citizens Bank & Trust Company
    Bank
    VIRGINIA
    $50,000
    6 Month
    0.01%
    0.03x (National Avg. - 0.32%)
    $10,000
    -
    SCENARIO
    Year Rate
    0.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 5 4
    2 50,005 5 4
    3 50,010 5 4
    4 50,015 5 4
    5 50,020 5 4
    6 50,025 5 4
    7 50,030 5 4
    8 50,035 5 4
    9 50,040 5 4
    10 50,045 5 4
    11 50,050 5 4
    12 50,055 5 4
    13 50,060 5 4
    14 50,065 5 4
    15 50,070 5 4
    16 50,075 5 4
    17 50,080 5 4
    18 50,085 5 4
    19 50,090 5 4
    20 50,095 5 4
    TOTAL $100 $70
  • 2
    LOCAL CD
    Discover Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    60 Month
    4.00%
    4.62x (National Avg. - 0.87%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689
  • 3
    LOCAL CD
    Discover Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    24 Month
    4.30%
    7.14x (National Avg. - 0.60%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,150 1,505
    2 52,150 2,242 1,570
    3 54,392 2,339 1,637
    4 56,731 2,439 1,708
    5 59,171 2,544 1,781
    6 61,715 2,654 1,858
    7 64,369 2,768 1,938
    8 67,137 2,887 2,021
    9 70,024 3,011 2,108
    10 73,035 3,140 2,198
    11 76,175 3,276 2,293
    12 79,451 3,416 2,391
    13 82,867 3,563 2,494
    14 86,430 3,717 2,602
    15 90,147 3,876 2,713
    16 94,023 4,043 2,830
    17 98,066 4,217 2,952
    18 102,283 4,398 3,079
    19 106,681 4,587 3,211
    20 111,268 4,785 3,349
    TOTAL $66,053 $46,237
  • 4
    LOCAL CD
    M.Y. Safra Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    60 Month
    4.66%
    5.39x (National Avg. - 0.87%)
    $500
    -
    SCENARIO
    Year Rate
    4.66%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,330 1,631
    2 52,330 2,439 1,707
    3 54,769 2,552 1,787
    4 57,321 2,671 1,870
    5 59,992 2,796 1,957
    6 62,788 2,926 2,048
    7 65,713 3,062 2,144
    8 68,776 3,205 2,243
    9 71,981 3,354 2,348
    10 75,335 3,511 2,457
    11 78,846 3,674 2,572
    12 82,520 3,845 2,692
    13 86,365 4,025 2,817
    14 90,390 4,212 2,949
    15 94,602 4,408 3,086
    16 99,010 4,614 3,230
    17 103,624 4,829 3,380
    18 108,453 5,054 3,538
    19 113,507 5,289 3,703
    20 118,797 5,536 3,875
    TOTAL $74,332 $52,033
  • 5
    LOCAL CD
    M.Y. Safra Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    36 Month
    4.91%
    7.03x (National Avg. - 0.70%)
    $500
    -
    SCENARIO
    Year Rate
    4.91%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,455 1,719
    2 52,455 2,576 1,803
    3 55,031 2,702 1,891
    4 57,733 2,835 1,984
    5 60,567 2,974 2,082
    6 63,541 3,120 2,184
    7 66,661 3,273 2,291
    8 69,934 3,434 2,404
    9 73,368 3,602 2,522
    10 76,970 3,779 2,645
    11 80,749 3,965 2,775
    12 84,714 4,159 2,912
    13 88,874 4,364 3,055
    14 93,237 4,578 3,205
    15 97,815 4,803 3,362
    16 102,618 5,039 3,527
    17 107,656 5,286 3,700
    18 112,942 5,545 3,882
    19 118,488 5,818 4,072
    20 124,306 6,103 4,272
    TOTAL $80,409 $56,286
  • 6
    LOCAL CD
    Discover Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    12 Month
    5.00%
    10.22x (National Avg. - 0.49%)
    $2,500
    -
    SCENARIO
    Year Rate
    5.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,500 1,750
    2 52,500 2,625 1,838
    3 55,125 2,756 1,929
    4 57,881 2,894 2,026
    5 60,775 3,039 2,127
    6 63,814 3,191 2,233
    7 67,005 3,350 2,345
    8 70,355 3,518 2,462
    9 73,873 3,694 2,586
    10 77,566 3,878 2,715
    11 81,445 4,072 2,851
    12 85,517 4,276 2,993
    13 89,793 4,490 3,143
    14 94,282 4,714 3,300
    15 98,997 4,950 3,465
    16 103,946 5,197 3,638
    17 109,144 5,457 3,820
    18 114,601 5,730 4,011
    19 120,331 6,017 4,212
    20 126,348 6,317 4,422
    TOTAL $82,665 $57,865
  • 7
    LOCAL CD
    M.Y. Safra Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    12 Month
    4.85%
    9.92x (National Avg. - 0.49%)
    $5,000
    -
    SCENARIO
    Year Rate
    4.85%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,425 1,698
    2 52,425 2,543 1,780
    3 54,968 2,666 1,866
    4 57,634 2,795 1,957
    5 60,429 2,931 2,052
    6 63,360 3,073 2,151
    7 66,433 3,222 2,255
    8 69,654 3,378 2,365
    9 73,033 3,542 2,479
    10 76,575 3,714 2,600
    11 80,289 3,894 2,726
    12 84,183 4,083 2,858
    13 88,266 4,281 2,997
    14 92,546 4,489 3,142
    15 97,035 4,706 3,294
    16 101,741 4,934 3,454
    17 106,676 5,174 3,622
    18 111,849 5,425 3,797
    19 117,274 5,688 3,981
    20 122,962 5,964 4,175
    TOTAL $78,925 $55,248
  • 8
    LOCAL CD
    Forbright Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    12 Month
    5.65%
    11.55x (National Avg. - 0.49%)
    $1,000
    -
    SCENARIO
    Year Rate
    5.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,825 1,978
    2 52,825 2,985 2,089
    3 55,810 3,153 2,207
    4 58,963 3,331 2,332
    5 62,294 3,520 2,464
    6 65,814 3,718 2,603
    7 69,532 3,929 2,750
    8 73,461 4,151 2,905
    9 77,611 4,385 3,070
    10 81,997 4,633 3,243
    11 86,629 4,895 3,426
    12 91,524 5,171 3,620
    13 96,695 5,463 3,824
    14 102,158 5,772 4,040
    15 107,930 6,098 4,269
    16 114,028 6,443 4,510
    17 120,471 6,807 4,765
    18 127,277 7,191 5,034
    19 134,469 7,597 5,318
    20 142,066 8,027 5,619
    TOTAL $100,093 $70,065


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