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Overview / Commentary
130 Whalon Street
Fitchburg, MA 01420

Family Federal Savings is headquartered in Fitchburg and is the 121st largest bank in the state of Massachusetts. It is also the 4,316th largest bank in the nation. It was established in 1877 and as of September of 2017, it had grown to 19 employees at 3 locations. Family Federal Savings' savings rates are 44% higher than the national average, and it has an A 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 - YTD0.14%
Return on Equity - YTD1.14%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$99.1MM$93.0MM
LoansQ3 2017vs Q3 2016$67.1MM$60.6MM
DepositsQ3 2017vs Q3 2016$85.9MM$77.4MM
Equity CapitalQ3 2017vs Q3 2016$11.7MM$11.8MM
Loan Loss AllowanceQ3 2017vs Q3 2016$403.00K$375.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$658.00K$923.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$155.00K
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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+
0.75%*$250k*-Premier Savings – High Yield Savings Account
OTHER TIERS: 0.07% Up to $50k | 0.30% $50k - $100k | 0.35% $100k - $150k | 0.50% $150k - $200k | 0.55% $200k - $250k
0.25%*$50k*-i-Savings Account
OTHER TIERS: 0.05% Up to $200 | 0.10% $200 - $10k | 0.20% $10k - $50k
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%$100k-30 Month Jumbo CD Special
2.20%$1k-5 Year CD
2.20%$1k-5 Year First Time Home Buyer CD
2.00%$1k-25 Month CD Special
1.80%$100k-15 Month Jumbo CD Special
1.75%$1k-18 Month CD Special
1.40%$1k-4 Year CD
1.40%$1k-8 Month CD Special
1.30%$1k-3 Year CD
1.15%$1k-2 Year CD
0.75%$1k-1 Year CD
0.50%$1k-6 Month CD
0.20%$1k-3 Month 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