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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 15th largest credit union in the state of Massachusetts. It is also the 442nd largest credit union in the nation. It was established in 1937 and as of March of 2021, it had grown to 180 employees and 78,744 members at 13 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 Q1 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #24254
Year Chartered1937
Employees180
Primary Regulator
Profit Margin
Return on Assets - YTD1.18%
Return on Equity - YTD11.86%
Annual Interest Income$8.1MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$885.9MM$811.5MM
LoansQ1 2021vs Q1 2020$746.4MM$685.9MM
DepositsQ1 2021vs Q1 2020$750.7MM$652.6MM
Equity CapitalQ1 2021vs Q1 2020$87.0MM$80.7MM
Loan Loss AllowanceQ1 2021vs Q1 2020$4.1MM$2.2MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$2.1MM$2.7MM
Real Estate OwnedQ1 2021vs Q1 2020$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
0.30%*$75k*-Business Savings Plus
OTHER TIERS: 0.05% → Up to $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%$5-Club Accounts
0.05%--Health Savings Account Checking

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% → Up to $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% → 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-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%$500-18 Month Share Certificate
0.25%$500-1 Year 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
0.15%$500-6 Month IRA
0.15%$500-3 Year IRA
0.05%$500-3 Month IRA
0.05%$500-1 Year IRA
0.05%$500-2 Year IRA
0.05%$500-4 Year IRA
0.05%$500-5 Year IRA
0.05%$500-18 Month IRA
Locations

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