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First Citizens' Federal Credit Union


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 14th largest credit union in the state of Massachusetts. It is also the 405th largest credit union in the nation. It was established in 1937 and as of December of 2019, it had grown to 202 employees and 82,150 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.
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Health
A

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #24254
Year Chartered1937
Employees202
Primary Regulator
Profit Margin
Return on Assets - YTD0.37%
Return on Equity - YTD3.61%
Annual Interest Income$29.8MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$786.8MM$773.2MM
LoansQ4 2019vs Q4 2018$687.6MM$663.4MM
DepositsQ4 2019vs Q4 2018$638.6MM$595.2MM
Equity CapitalQ4 2019vs Q4 2018$79.8MM$75.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$2.1MM$2.0MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$2.6MM$2.5MM
Real Estate OwnedQ4 2019vs Q4 2018$261.00K$261.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$3k*-Champion Savings
OTHER TIERS: 0.15% → $100 - $1k | 0.25% → $1k - $3k
0.35%*$3k*-Hero Savings
OTHER TIERS: 0.15% → $100 - $1k | 0.25% → $1k - $3k
0.30%*$75k*-Business Savings Plus
OTHER TIERS: 0.05% → Up to $10k | 0.10% → $10k - $50k | 0.20% → $50k - $75k
0.15%$100-Youth Savings
0.10%$100-Business Savings
0.10%$100-Regular Savings
0.10%--Health Savings Account Checking
0.05%$5-Club Accounts

First Citizens' Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$75k*-Elite Money Market Savings
OTHER TIERS: 0.05% → Up to $10k | 0.10% → $10k - $25k | 0.15% → $25k - $50k | 0.25% → $50k - $75k
0.25%$2.5k-Elite Money Market Business

First Citizens' Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$75k*-High Yield Business Checking
OTHER TIERS: 0.05% → Up to $10k | 0.10% → $10k - $50k | 0.20% → $50k - $75k
0.05%$5k-Free Business Checking
0.05%$1k-Business Checking Plus
0.05%$500-Direct Bonus Checking
0.05%$500-Champion Checking
0.05%$500-Hero Checking

First Citizens' Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.35%$500-5 Year Relationship Share Certificate
1.25%$500-4 Year Relationship Share Certificate
1.10%$500-5 Year Share Certificate
1.00%$500-4 Year Share Certificate
1.00%$500-3 Year Relationship Share Certificate
0.95%$500-13 Month Share Certificate Special
0.85%$500-9 Month Share Certificate Special
0.75%$500-3 Year Share Certificate
0.75%$500-2 Year Relationship Share Certificate
0.70%$500-1 Year Relationship Share Certificate
0.50%$500-2 Year 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
0.40%$500-3 Month Relationship Share Certificate
0.25%$500-18 Month Share Certificate
0.20%$500-6 Month Share Certificate
0.15%$500-3 Month Share Certificate

First Citizens' Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
0.95%$500-13 Month IRA Special
0.85%$500-9 Month IRA Special
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
Locations

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