Online Banks | OneWest Bank, a division of First-Citizens Bank and Trust
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OneWest Bank, a division of First-Citizens Bank and Trust

For information concerning First-Citizens Bank & Trust Company parent bank, please click here .

Phone: 888 323 4732

Online Rates - January 17, 2026

Your current location is: New York City, NY

SAVINGS RATES APY MIN
Savings
0.10% $50 Compare
CD RATES APY MIN
6 Mo CD
0.01% $500 Compare
12 Mo CD
0.01% $500 Compare
18 Mo CD
0.02% $500 Compare
24 Mo CD
0.05% $500 Compare
36 Mo CD
0.05% $500 Compare
48 Mo CD
0.15% $500 Compare
60 Mo CD
0.15% $500 Compare
MONEY MARKET RATES APY MIN
Money Market
0.10% $100,000 Compare




Money that you deposit is held by First-Citizens Bank & Trust Company. First-Citizens Bank & Trust Company is an FDIC insured institution founded in 1898. It has approximately $233.17 billion in assets.

Overview 2026

General Information of the Parent Bank

FDIC Insured Yes
Insured Parent Bank First-Citizens Bank & Trust Company
FDIC Certificate # 11063
Date Established 1898
Assets $233.17 billion
Loans $143.22 billion
Deposits $163.58 billion
Capital $22.33 billion


Customer Reviews for OneWest Bank, a division of First-Citizens Bank and Trust (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.

    Review on the Parent Bank

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

    Review on the Parent Bank

  • 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).

    Review on the Parent Bank
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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
    ONLINE SAVINGS
    OneWest Bank, a division of First-Citizens Bank and Trust
    Online Bank
    -
    $50,000
    N.A.
    0.10%
    0.44x (National Avg. - 0.23%)
    $50
    -
    SCENARIO
    Year Rate
    0.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 50 35
    2 50,050 50 35
    3 50,100 50 35
    4 50,150 50 35
    5 50,200 50 35
    6 50,251 50 35
    7 50,301 50 35
    8 50,351 50 35
    9 50,401 50 35
    10 50,452 50 35
    11 50,502 51 35
    12 50,553 51 35
    13 50,603 51 35
    14 50,654 51 35
    15 50,705 51 35
    16 50,755 51 36
    17 50,806 51 36
    18 50,857 51 36
    19 50,908 51 36
    20 50,959 51 36
    TOTAL $1,010 $707
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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