Advertising Disclosure
  1. Home
  2. Banks
  3. First Citizens' Federal Credit Union

First Citizens' Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.firstcitizens.org
800-642-7515
200 Mill Rd Ste 100
Fairhaven, MA 02719

First Citizens' Federal Credit Union is headquartered in FAIRHAVEN and is the 24th largest credit union in the state of Massachusetts. It is also the 619th largest credit union in the nation. It was established in 1937 and as of December of 2024, it had grown to 137 employees and 44,968 members at 11 locations. First Citizens' Federal Credit Union has a B+ 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

Reviews

No reviews have been left for this bank yet. Be the first to review.



Health
B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #24254
Year Chartered1937
Employees137
Primary Regulator
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD4.04%
Annual Interest Income$29.7MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$676.4MM$711.7MM
LoansQ4 2024vs Q4 2023$494.7MM$601.3MM
DepositsQ4 2024vs Q4 2023$537.5MM$576.5MM
Equity CapitalQ4 2024vs Q4 2023$130.8MM$123.1MM
Loan Loss AllowanceQ4 2024vs Q4 2023$3.5MM$3.1MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$3.6MM$4.4MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not First Citizens' Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.30%*$75k*-Business Savings Plus
OTHER TIERS: 0.05% → $0 - $10k | 0.10% → $10k - $50k | 0.20% → $50k - $75k
0.15%*$3k*-Champion Savings
OTHER TIERS: 0.05% → $100 - $3k
0.15%*$3k*-Hero Savings
OTHER TIERS: 0.05% → $100 - $3k
0.15%$100-Youth Savings
0.10%$100-Business Savings
0.05%$100-Regular Savings
0.05%$0-Health Savings Account

First Citizens' Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$2.5k$100kBusiness Elite Money Market
0.25%*$75k*-Elite Money Market Savings
OTHER TIERS: 0.05% → $1 - $10k | 0.10% → $10k - $25k | 0.15% → $25k - $50k | 0.20% → $50k - $75k

First Citizens' Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$75k*-High Yield Business Checking
OTHER TIERS: 0.05% → $0 - $10k | 0.10% → $10k - $50k | 0.20% → $50k - $75k
0.05%$5k-Free Business Checking
0.05%$1k-Business Checking Plus
0.05%$500-Champion Checking
0.05%$500-Hero Checking

First Citizens' Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$500-3 Year Share Certificate
0.75%$500-4 Year Share Certificate
0.75%$500-5 Year Share Certificate
0.50%$500-2 Year Share Certificate
0.45%$500-1 Year 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
0.75%$500-3 Year IRA
0.75%$500-4 Year IRA
0.75%$500-5 Year IRA
0.50%$500-2 Year IRA
0.45%$500-1 Year IRA
0.25%$500-18 Month IRA
0.20%$500-6 Month IRA
0.15%$500-3 Month IRA
Locations

Availability

Providence Area

Interactive local rates map


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.