Compound Interest Calculator
Money Market Account from First-Citizens Bank & Trust Company with 0.10% APY and $100,000 minimum deposit

Use or Change These Amounts and Rates

The product Money Market Account from First-Citizens Bank & Trust Company with 0.10% APY and $100,000 minimum deposit and a tax rate of 30 compounded annually, with an initial amount of $20,000, after 10 years would have grown your savings to approximately $20,201. The interest earned would be $201 and the tax amount on the interest earned would be approximately $60.

Please note that this analysis assumes a constant interest rate and doesn't take into account any fees associated with the savings account.

The Results for First-Citizens Bank & Trust Company

Savings Boost of
$-166 over 10 years
Cash Savings $20,000
Average Interest Earned $307

First-Citizens Bank & Trust Company Interest Earned $141



See comparison detail table

This analysis is for demonstrative purposes only and may change should certain assumptions prove incorrect. Savings rates may change and CD rates may not be renewable for the length of the term of the analysis. The difference between the bank rate entered and the average rate may not remain constant throughout the term.

Comparison Detail Table Close X

Average Rate Scenario

Annual Interest
(After Tax)
1 20,000 43 30
2 20,043 43 30
3 20,087 44 31
4 20,130 44 31
5 20,174 44 31
6 20,218 44 31
7 20,262 44 31
8 20,306 44 31
9 20,350 44 31
10 20,394 44 31
TOTAL: $438 $307

First-Citizens Bank & Trust Company Scenario

Annual Interest
(After Tax)
1 20,000 20 14
2 20,020 20 14
3 20,040 20 14
4 20,060 20 14
5 20,080 20 14
6 20,100 20 14
7 20,120 20 14
8 20,140 20 14
9 20,161 20 14
10 20,181 20 14
TOTAL: $201 $141

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The accounts below offer some of the best rates in the country can be opened online, and are available nationally. As the calculator shows, changing accounts to earn a higher interest rate can really add up over time.

Recent Rate Changes

Date APY
November 26, 2023 0.10%

Featured CD Rates


5 Month CD Special. Must be linked to a standard consumer or business checking account in which 12.6% of the total combined balance is maintained. Otherwise APY is 5.25%.

Last change: ↓0.15% on May 13.
3 Month CD.

Last change: ↑0.09% on March 12.
6 Month Jumbo CD.

Last change: ↓0.05% on May 9.

Last change: ↓0.36% on March 12.
Early Withdrawal Penalty is 3 months interest.

Customer Reviews for First-Citizens Bank & Trust Company

  • February 25, 2023 |

    I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews, because all smart people have already left this company. Very poor management, toxic, politic based, cheep environment. Lots of lawsuits with the companies they acquire. They do not maintain quality employees and management only cares about their own bonus. HR does not exist and covers management wrong doing. During my career, I have been volunteering and working hard and doing a great job, may manager was Orlando.Torres. I was never reworded, no promised bonuses. Their politics to keep people scared, instead of rewording for a good job. They changed my remote work from home status to work in the office and without any explanation. They were sending emails to all current employees and asking people on writing positive revues to cover up their chaos. I have been dismissed during taking medical leave on PTO and my PTO has never been paid. Overall, I would not recommend this job to a friend.

  • December 9, 2020 |

    Too bad I can't give a MINUS 10!!! Stay far away!!!! Worst bank ever! Mgr. Carlos was so nasty so I told him to just close my cd and give me the check, he said "Don't give me orders! I'm not your slave"! He gave me an argument about everything! And when I went to another bank with the check, they had to verify check cleared so called that same branch. No answer for 1/2 hour!! And when new bank manager spoke to Carlos next day about confirming the check, his answer was "how long have you been in the banking industry because this is absolutely unnecessary"!!!!! This branch was the University Parkway branch in Lakewood Ranch Florida but I would have nothing to do with any branch! I complained and someone from Tampa called and hardly showed any interest in the way I was treated!!! Carlos should not be dealing with the public!

  • January 29, 2019 |

    Waste of time trying to establish a IRA CD in the Plano office. It is a commercial banking location with no one there who knows the process.

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