Online Banking Secure File Transfer Personal Business Mobile Banking Login Locations Services About Us Contact Us Rates News Search for: OUR RATES The Annual Percentage Yield is Accurate as of 07/13/20. “Interest Rate” means the annual percentage rate of interest paid which does not reflect compounding. “APY” (Annual Percentage Yield) means a percentage rate reflecting the total amount of interest paid on an account based on the interest rate and the frequency of compounding for a 365 day period. CD/IRA RATES For CD/IRA rates please call our office at 334-335-3346. SAVINGS Account Type Minimum Opening Deposit Minimum Balance to obtain APY Interest Rate APY Savings $100.00 $0.01 Daily Balances of: up to $24,999.99 0.25% 0.25% $25,000.00-$49,999.99 0.25% 0.25% $50,000.00 or more 0.30% 0.30% 3 Withdrawals per Quarter No Charge More than 3 withdrawals in a quarter $7.50 per withdrawal If average balance falls below $100 during the quarter $5.00 CHRISTMAS CLUB Account Type Minimum Opening Deposit Minimum Balance to obtain APY Interest Rate APY Christmas Club $0.01 $0.01 0.25% 0.25% No withdrawals are permitted from Christmas Club Accounts prior to the pay out date in November. The entire balance may be withdrawn and no interest will be paid on the account. Effective 03/12/12. The Annual Percentage Yield is Accurate as of 03/12/12. “Interest Rate” means the annual percentage rate of interest paid which does not reflect compounding.“APY” (Annual Percentage Yield) means a percentage rate reflecting the total amount of interest paid on an account based on the interest rate and the frequency of compounding for a 365 day period. Money Market and Now Accounts Account Type Minimum Opening Deposit Minimum Balance to obtain APY Interest Rate APY Money Market $2,500.00 $0.01 Daily Balances of: up to $24,999.99 0.15% 0.15% $25,000.00-$49,999.99 0.25% 0.25% $50,000.00-$99,999.99 0.30% 0.30% $100,000.00-$249,999.99 0.40% 0.40% $250,000.00 and up 0.50% 0.50% NOW Account $1,500.00 $0.01 Daily Balances of: up to $2,499.99 0.10% 0.10% $2,500.00-$24,999.99 0.15% 0.15% $25,000.00-$49,999.99 0.25% 0.25% $50,000.00-$99,999.99 0.30% 0.30% $100,000.00 and up 0.50% 0.50% Effective 07/13/20. The Annual Percentage Yield is Accurate as of 07/13/20. “Interest Rate” means the annual percentage rate of interest paid which does not reflect compounding. “APY” (Annual Percentage Yield) means a percentage rate reflecting the total amount of interest paid on an account based on the interest rate and the frequency of compounding for a 365 day period. Applicable to Savings and Money Market Accounts: If more than six pre-authorized withdrawals, automatic transfers, or telephone transfers are made in one month, Reg D requires us to notify you that your account may be closed or changed to another type of account. Withdrawals or transfers made in the bank or at an ATM are not limited Privacy Policy Cybersecurity About Us Contact © 2021 First Citizens Bank. All Rights Reserved.