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Overview / Commentary
130 Whalon Street
Fitchburg, MA 01420

Family Federal Savings is headquartered in Fitchburg and is the 126th largest bank in the state of Massachusetts. It is also the 4,459th largest bank in the nation. It was established in 1877 and as of December of 2016, it had grown to 19 employees at 3 locations. Family Federal Savings has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Family Federal Savings has a relatively low asset base.

Health Grade Components

FDIC Certificate #29962
Year Established1877
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.19%
Return on Equity - YTD1.52%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$95.5MM$93.0MM
LoansQ4 2016vs Q4 2015$65.5MM$55.6MM
DepositsQ4 2016vs Q4 2015$80.4MM$77.9MM
Equity CapitalQ4 2016vs Q4 2015$11.5MM$11.4MM
Loan Loss AllowanceQ4 2016vs Q4 2015$385.00K$395.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$672.00K$969.00K
Real Estate OwnedQ4 2016vs Q4 2015$155.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Family Federal Savings Savings Account Rates

5.00%*-$300Growth Savings - Premium Youth Savings Account
OTHER TIERS: 0.15% $300+
0.25%*-$200i-Savings Account
OTHER TIERS: 0.05% $50k+ | 0.10% $10k - $50k | 0.20% $200 - $10k
0.15%--Basic Savings Account
0.15%--Christmas Club Account
0.15%--Vacation Club Account

Family Federal Savings Checking Account Rates

0.05%--i-Checking Account
0.05%--Support Our Schools Checking Account

Family Federal Savings CD Rates

1.75%$1k-5 Year CD
1.75%$1k-5 Year First Time Home Buyer CD
1.50%$100k-30 Month Jumbo CD Special
1.40%$1k-4 Year CD
1.40%$1k-25 Month CD Special
1.30%$1k-3 Year CD
1.25%$100k-15 Month Jumbo CD Special
1.20%$5k-9 Month CD Special
1.15%$1k-2 Year CD
1.10%$5k-4 Month CD Special
0.65%$1k-1 Year CD
0.50%$5k-6 Month CD
0.20%$5k-3 Month CD

Family Federal Savings IRA Rates

1.75%$1k-5 Year IRA
1.40%$1k-4 Year IRA
1.30%$1k-3 Year IRA
1.15%$1k-2 Year IRA
0.65%$1k-1 Year IRA
0.50%$5k-6 Month IRA
0.20%$5k-3 Month IRA

Family Federal Savings Locations
129 Chestnut Street Branch129 Chestnut StreetNeedham, MA 02492
Family Federal Savings, F.A.130 Whalon StreetFitchburg, MA 01420
Great Road Branch149 Great RoadStow, MA 01775