Family Federal Savings

Overview / Commentary
130 Whalon Street
Fitchburg, MA 01420

Family Federal Savings is headquartered in Fitchburg and is the 111th largest bank in the state of Massachusetts. It is also the 4,135th largest bank in the nation. It was established in 1877 and as of June of 2019, it had grown to 18 employees at 3 locations. Family Federal Savings' savings rates are 2X the national average, and it 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 - YTD-0.08%
Return on Equity - YTD-0.66%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$95.7MM$99.4MM
LoansQ2 2019vs Q2 2018$66.1MM$67.8MM
DepositsQ2 2019vs Q2 2018$82.4MM$85.6MM
Equity CapitalQ2 2019vs Q2 2018$11.8MM$11.2MM
Loan Loss AllowanceQ2 2019vs Q2 2018$428.00K$419.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$862.00K$697.00K
Real Estate OwnedQ2 2019vs Q2 2018$0$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

4.88%*-$300Growth Savings - Premium Youth Savings Account
OTHER TIERS: 0.15% $300+
1.25%*$250k*-Premier Savings – High Yield Savings Account
OTHER TIERS: 0.07% Up to $50k | 0.30% $50k - $100k | 0.35% $100k - $150k | 0.60% $150k - $200k | 0.65% $200k - $250k
0.25%*-$200i-Savings Account
OTHER TIERS: 0.05% $50k+ | 0.10% $10k - $50k | 0.20% $200 - $10k
0.20%--Christmas Club Account
0.20%--Vacation Club Account
0.15%--Basic Savings Account

Family Federal Savings Money Market Rates

0.20%--Money Market Account

Family Federal Savings Checking Account Rates

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

Family Federal Savings CD Rates

2.25%$1k-5 Year First Time Home Buyer CD
2.10%$1k-5 Year CD
2.10%$100k-30 Month Jumbo CD Special
2.00%$1k-4 Year CD
2.00%$100k-15 Month Jumbo CD Special
1.95%$1k-14 Month CD Special
1.90%$1k-9 Month CD Special
1.75%$1k-3 Year CD
1.50%$1k-2 Year CD
1.00%$1k-1 Year CD

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

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