First Citizens' Federal Credit Union

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CURRENT TOP RATE

15 Month Share Certificate Special (New Money)

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.10%	5-year CD	5 Year Share Certificate 3.00% - American Express National Bank 60 Month CD
0.45%	1-year CD	1 Year Share Certificate 2.45% - Synchrony Bank 12 Month CD
0.10%	Savings	Regular Savings Account 1.80% - American Express National Bank High Yield Savings Account

View all First Citizens' Federal Credit Union rates »

Overview / Commentary

www.firstcitizens.org

508-999-1341

200 Mill Rd Ste 100
Fairhaven, MA 02719-5252

First Citizens' Federal Credit Union is headquartered in FAIRHAVEN and is the 12^th largest credit union in the state of Massachusetts. It is also the 401^st largest credit union in the nation. It was established in 1937 and as of June of 2018, it had grown to 184 employees and 83,261 members at 12 locations. First Citizens' Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in First Citizens' Federal Credit Union is open to those who live, worship, work, regularly conduct business in, attend school in, or businesses or other legal entities in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk Counties in Massachusetts.
See current membership details

Related Posts

10-Month CD Special, 2.00% APY - 3/23/2018

First Citizen's FCU has a limited time 10-month CD Special, 2.00% APY. Minimum deposit of $500 is required to open account. Penalties may be imposed for early withdrawal. Premium rates not eligible for this special. Funds to open Term Certificate must be transferred from another financial institution This is a limited time offer and may be withdrawn at any time.

View all posts from:

2018
2015

3/23 - 10-Month CD Special, 2.00% APY

12/16 - First Citizens' FCU (MA) Has 6-Month Rate Guarantee On MMA

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Health

A

Data as of Q2 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	24254
Year Chartered	1937
Employees	184
Primary Regulator

Profit Margin
Return on Assets - YTD	0.58%
Return on Equity - YTD	5.72%
Annual Interest Income	$12.5MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$741.2MM$742.1MM
Loans	Q2 2018vs Q2 2017	$631.8MM$637.3MM
Deposits	Q2 2018vs Q2 2017	$583.9MM$564.2MM
Equity Capital	Q2 2018vs Q2 2017	$74.7MM$71.4MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$1.9MM$2.3MM
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$2.0MM$2.9MM
Real Estate Owned	Q2 2018vs Q2 2017	$264.00K$0

Rates

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Money Market
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Citizens' Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%^*	$3k^*	-	Champion Relationship Savings Account
OTHER TIERS: 0.15% → $100 - $1k \| 0.25% → $1k - $3k
0.35%^*	$3k^*	-	Hero Relationship Savings Account
OTHER TIERS: 0.15% → $100 - $1k \| 0.25% → $1k - $3k
0.30%^*	$75k^*	-	Business Savings Plus Account
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $50k \| 0.20% → $50k - $75k
0.10%	$100	-	Business Savings Account
0.10%	$100	-	Regular Savings Account
0.10%	-	-	HSA Checking Account
0.05%	$5	-	Club Accounts

First Citizens' Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$75k^*	-	Elite Money Market Relationship Savings
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k \| 0.25% → $50k - $75k
0.25%	$2.5k	-	Business Elite Choice Money Market

First Citizens' Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$75k^*	-	High Yield Business Checking Account
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $50k \| 0.20% → $50k - $75k
0.05%	$5k	-	Free Business Checking Account
0.05%	$1k	-	Business Checking Plus Account
0.05%	$500	-	Direct Bonus Checking Account
0.05%	$500	-	Champion Checking Account
0.05%	$500	-	Hero Checking Account

First Citizens' Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.50%	$500	-	15 Month Share Certificate Special (New Money)
1.35%	$500	-	5 Year Relationship Share Certificate
1.35%	$500	-	Business 5 Year Relationship Share Certificate
1.25%	$500	-	4 Year Relationship Share Certificate
1.25%	$500	-	Business 4 Year Relationship Share Certificate
1.10%	$500	-	5 Year Share Certificate
1.10%	$500	-	Business 5 Year Share Certificate
1.00%	$500	-	4 Year Share Certificate
1.00%	$500	-	3 Year Relationship Share Certificate
1.00%	$500	-	Business 3 Year Relationship Share Certificate
1.00%	$500	-	Business 4 Year Share Certificate
0.75%	$500	-	3 Year Share Certificate
0.75%	$500	-	2 Year Relationship Share Certificate
0.75%	$500	-	Business 2 Year Relationship Share Certificate
0.75%	$500	-	Business 3 Year Share Certificate
0.70%	$500	-	1 Year Relationship Share Certificate
0.70%	$500	-	Business 1 Year Relationship Share Certificate
0.50%	$500	-	2 Year Share Certificate
0.50%	$500	-	Business 2 Year Share Certificate
0.50%	$500	-	Business 18 Month Relationship Share Certificate
0.50%	$500	-	18 Month Relationship Share Certificate
0.45%	$500	-	6 Month Relationship Share Certificate
0.45%	$500	-	1 Year Share Certificate
0.45%	$500	-	Business 6 Month Relationship Share Certificate
0.45%	$500	-	Business 1 Year Share Certificate
0.40%	$500	-	3 Month Relationship Share Certificate
0.40%	$500	-	Business 3 Month Relationship Share Certificate
0.25%	$500	-	Business 18 Month Share Certificate
0.25%	$500	-	18 Month Share Certificate
0.20%	$500	-	6 Month Share Certificate
0.20%	$500	-	Business 6 Month Share Certificate
0.15%	$500	-	3 Month Share Certificate
0.15%	$500	-	Business 3 Month Share Certificate

First Citizens' Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.50%	$500	-	15 Month IRA Special (New Money)
1.35%	$500	-	5 Year Relationship IRA
1.25%	$500	-	4 Year Relationship IRA
1.10%	$500	-	5 Year IRA
1.00%	$500	-	3 Year Relationship IRA
1.00%	$500	-	4 Year IRA
0.75%	$500	-	2 Year Relationship IRA
0.75%	$500	-	3 Year IRA
0.70%	$500	-	1 Year Relationship IRA
0.50%	$500	-	2 Year IRA
0.50%	$500	-	18 Month Relationship IRA
0.45%	$500	-	6 Month Relationship IRA
0.45%	$500	-	1 Year IRA
0.40%	$500	-	3 Month Relationship IRA
0.25%	$500	-	18 Month IRA
0.20%	$500	-	6 Month IRA
0.15%	$500	-	3 Month IRA

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