Don't Miss Exciting First Carolina Bank Specials!

• • 6 Month CD Special* - 4.15% APY¹ - $5,000 minimum balance; new money only. 
  • 12 Month CD Special* - 4.00% APY¹ - $5,000 minimum balance; new money only. 
  • Carolina Money Market Special** 
    • 2.12% APY² - $0.01 - $24,999.99
    • 2.19% APY² - $25,000.00 - $99,999.99
    • 2.29% APY² - $100,000.00 - $249,999.99
    • 2.43% APY² - $250,000.00 - $499,999.99
    • 2.59% APY² - $500,000.00 - $999,999.99
    • 2.89% APY² - $1,000,000.00+
      *Checking account required unless HOA.
      **Checking account required unless commercial or HOA.
      
      ¹ APY means Annual Percentage Yield. Advertised interest rates are effective as of April 29, 2025. This is a promotional rate that applies only to new Certificates of Deposit (CD) with a 6- or 12-month term. Upon renewal of the CD, our then-standard rate for CDs with that amount and term apply. We may change this promotional rate at any time without any prior notice. To qualify for the advertised APY, clients must have a funded personal or business checking account. The minimum balance required to open these CDs is $5,000. Additional requirements may apply; contact your local branch for details. Offer is limited to a maximum deposit of $250,000 per instrument. Fees may reduce the earnings on this account. Substantial penalty for early withdrawal. Your account is covered by FDIC insurance to the maximum allowed by law. 
      ² APY means Annual Percentage Yield. Advertised rates are effective as of April 2, 2025 and is available only to new funds deposited with First Carolina Bank Carolina Money Market Account. To qualify for advertised APY, personal or business clients may be required to have or open a personal or business checking account, and maintain a minimum balance of $2,500 or more in a Carolina Money Market Account. If minimum balance drops below $2,500 during statement period, a $25 monthly fee will be applied. Rate is variable and subject to change at any time. Fees may reduce earnings on this account. Excessive activity fee after six (6) withdrawals per statement cycle. Your account is covered by FDIC insurance to the maximum allowed by law.