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
1898 and has approximately $108 billion in
assets. Customers can open an account at one of its 616 branches.
Deposit Rates - March 23, 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 |
|
60 Mo CD
|
0.15% | $100,000 | Compare |
| 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 |
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Overview 2023
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 11063 |
| Date Established | 1898 |
| Assets | $ 107.54 billion |
| Loans | $ 68.93 billion |
| Deposits | $ 87.63 billion |
| Capital | $ 10.08 billion |
Summary Balance Sheet
| ASSETS | |
| Cash & Balances due from depository institutions | $ 6.64 billion |
| Interest-bearing balances | $ 6.17 billion |
| Total securities | $ 18.73 billion |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 68.93 billion |
| Loan loss allowance | $ 881.86 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 53.58 million |
| Goodwill and other intangibles | $ 476.03 million |
| All other assets | $ 12.36 billion |
| Total Assets | $ 99.05 billion |
| LIABILITIES | |
| Total deposits | $ 87.63 billion |
| Interest-bearing deposits | $ 60.97 billion |
| Deposits held in domestic offices | $ 87.63 billion |
| % insured (estimated) | 64.96% |
| Federal funds purchased and repurchase agreements | $ 577.67 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 2.70 billion |
| Subordinated debt | $ 598.32 million |
| All other liabilities | $ 3.24 billionn |
| Total Liabilities | $ 99.05 billion |
| Shareholders’ Equity | $ 8.49 billion |
Summary Income Statement
| INCOME AND EXPENSES | |
| Total Interest Income | $ 2.38 billion |
| Total Interest Expense | $ 216.45 million |
| Net interest income | $ 2.16 billion |
| Provision for loan and lease losses | $ 566.46 million |
| Total non interest income | $ 1,880.83 million |
| Total non interest expense | $ 2.48 billion |
| Pre-tax Net Operating Income | $ 576.31 million |
Customer Reviews for First-Citizens Bank & Trust Company (1)
Rated 4.00 stars out of 5 - based on 1 reviews
Branches
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Your current location is: Ashburn, VA
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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.
- 1LOCAL CDBankVIRGINIA$50,0006 Month0.01%0.03x (National Avg. - 0.29%)$10,000-SCENARIO
Year Rate
0.01%Annual
InterestAnnual 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 - 2LOCAL CDOnline Bank-$50,00060 Month4.10%5.06x (National Avg. - 0.81%)$2,500-SCENARIO
Year Rate
4.10%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,050 1,435 2 52,050 2,134 1,494 3 54,184 2,222 1,555 4 56,406 2,313 1,619 5 58,718 2,407 1,685 6 61,126 2,506 1,754 7 63,632 2,609 1,826 8 66,241 2,716 1,901 9 68,957 2,827 1,979 10 71,784 2,943 2,060 11 74,727 3,064 2,145 12 77,791 3,189 2,233 13 80,980 3,320 2,324 14 84,300 3,456 2,419 15 87,757 3,598 2,519 16 91,355 3,746 2,622 17 95,100 3,899 2,729 18 98,999 4,059 2,841 19 103,058 4,225 2,958 20 107,284 4,399 3,079 TOTAL $61,682 $43,178 - 3LOCAL CDOnline Bank-$50,00024 Month4.30%7.76x (National Avg. - 0.55%)$2,500-SCENARIO
Year Rate
4.30%Annual
InterestAnnual 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 - 4LOCAL CDOnline Bank-$50,00012 Month4.50%10.25x (National Avg. - 0.44%)$2,500-SCENARIO
Year Rate
4.50%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,250 1,575 2 52,250 2,351 1,646 3 54,601 2,457 1,720 4 57,058 2,568 1,797 5 59,626 2,683 1,878 6 62,309 2,804 1,963 7 65,113 2,930 2,051 8 68,043 3,062 2,143 9 71,105 3,200 2,240 10 74,305 3,344 2,341 11 77,648 3,494 2,446 12 81,143 3,651 2,556 13 84,794 3,816 2,671 14 88,610 3,987 2,791 15 92,597 4,167 2,917 16 96,764 4,354 3,048 17 101,119 4,550 3,185 18 105,669 4,755 3,329 19 110,424 4,969 3,478 20 115,393 5,193 3,635 TOTAL $70,586 $49,410
Holdtimes
October 13, 2022 |
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).