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First Citizens' Federal Credit Union

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CURRENT TOP RATE

Personal 5 Year Relationship Share Certificate

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.10%	5-year CD	Personal 5 Year Share Certificate 2.35% - Synchrony Bank 60 Month CD
0.45%	1-year CD	Personal 1 Year Share Certificate 1.50% - Ally Bank No Penalty 11-Month CD
0.10%	Savings	Regular Savings Account 1.15% - CIT Bank Spring Savings

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 386^th largest credit union in the nation. It was established in 1937 and as of March of 2017, it had grown to 179 employees and 84,227 members at 12 locations. First Citizens' Federal Credit Union's money market rates are 2X the national average, and it 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

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2015

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

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Health

A

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #	24254
Year Chartered	1937
Employees	179
Primary Regulator

Profit Margin
Return on Assets - YTD	0.41%
Return on Equity - YTD	4.27%
Annual Interest Income	$5.8MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$727.0MM$690.8MM
Loans	Q1 2017vs Q1 2016	$610.6MM$579.0MM
Deposits	Q1 2017vs Q1 2016	$559.0MM$540.7MM
Equity Capital	Q1 2017vs Q1 2016	$70.1MM$69.3MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$2.4MM$2.5MM
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$2.4MM$2.7MM
Real Estate Owned	Q1 2017vs Q1 2016	$0$117.00K

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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$2,500^*	$10k	Business Savings Plus Account
OTHER TIERS: 0.05% → Up to $2,500 \| 0.10% → $10k - $50k \| 0.20% → $50k - $75k \| 0.30% → $75k+
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
0.10%	$100	-	Business Savings Account
0.10%	$100	-	Regular Savings Account
0.10%	-	-	HSA Checking Account
0.05%	-	-	Christmas Club Account
0.05%	-	-	Vacation Club Account

First Citizens' Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$2,500	-	Elite Choice Money Market Business Savings- SPECIAL
1.00%	$2,500	-	Elite Choice Money Market Statement Savings Account- SPECIAL
0.30%^*	$75k^*	-	Elite Choice Money Market Savings Account
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k \| 0.25% → $50k - $75k
0.25%	$2,500	-	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
1.35%	$500	-	Personal 5 Year Relationship Share Certificate
1.35%	$500	-	Business 5 Year Relationship Share Certificate
1.25%	$500	-	Personal 4 Year Relationship Share Certificate
1.25%	$500	-	Business 4 Year Relationship Share Certificate
1.15%	$500	-	Business 13 Month Look Closer Share Certificate
1.15%	$500	-	Personal 13 Month Look Closer Share Certificate
1.15%	$500	-	Business 13 Month Look Closer Relationship Share Certificate
1.15%	$500	-	Personal 13 Month Look Closer Relationship Share Certificate
1.10%	$500	-	Personal 5 Year Share Certificate
1.10%	$500	-	Business 5 Year Share Certificate
1.00%	$500	-	Personal 4 Year Share Certificate
1.00%	$500	-	Personal 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	-	Personal 3 Year Share Certificate
0.75%	$500	-	Personal 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	-	Personal 1 Year Relationship Share Certificate
0.70%	$500	-	Business 1 Year Relationship Share Certificate
0.50%	$500	-	Personal 2 Year Share Certificate
0.50%	$500	-	Business 2 Year Share Certificate
0.50%	$500	-	Business 18 Month Relationship Share Certificate
0.50%	$500	-	Personal 18 Month Relationship Share Certificate
0.45%	$500	-	Personal 6 Month Relationship Share Certificate
0.45%	$500	-	Personal 1 Year Share Certificate
0.45%	$500	-	Business 6 Month Relationship Share Certificate
0.45%	$500	-	Business 1 Year Share Certificate
0.40%	$500	-	Personal 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	-	Personal 18 Month Share Certificate
0.20%	$500	-	Personal 6 Month Share Certificate
0.20%	$500	-	Business 6 Month Share Certificate
0.15%	$500	-	Personal 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
1.35%	$500	-	Personal 5 Year Relationship IRA
1.35%	$500	-	Business 5 Year Relationship IRA
1.25%	$500	-	Personal 4 Year Relationship IRA
1.25%	$500	-	Business 4 Year Relationship IRA
1.15%	$500	-	Personal 13 Month Look Closer IRA
1.15%	$500	-	Business 13 Month Look Closer IRA
1.15%	$500	-	Business 13 Month Look Closer Relationship IRA
1.15%	$500	-	Personal 13 Month Look Closer Relationship IRA
1.10%	$500	-	Personal 5 Year IRA
1.10%	$500	-	Business 5 Year IRA
1.00%	$500	-	Personal 3 Year Relationship IRA
1.00%	$500	-	Personal 4 Year IRA
1.00%	$500	-	Business 4 Year IRA
1.00%	$500	-	Business 3 Year Relationship IRA
0.75%	$500	-	Personal 2 Year Relationship IRA
0.75%	$500	-	Personal 3 Year IRA
0.75%	$500	-	Business 3 Year IRA
0.75%	$500	-	Business 2 Year Relationship IRA
0.70%	$500	-	Personal 1 Year Relationship IRA
0.70%	$500	-	Business 1 Year Relationship IRA
0.50%	$500	-	Personal 2 Year IRA
0.50%	$500	-	Business 2 Year IRA
0.50%	$500	-	Business 18 Month Relationship IRA
0.50%	$500	-	Personal 18 Month Relationship IRA
0.45%	$500	-	Personal 6 Month Relationship IRA
0.45%	$500	-	Personal 1 Year IRA
0.45%	$500	-	Business 6 Month Relationship IRA
0.45%	$500	-	Business 1 Year IRA
0.40%	$500	-	Personal 3 Month Relationship IRA
0.40%	$500	-	Business 3 Month Relationship IRA
0.25%	$500	-	Business 18 Month IRA
0.25%	$500	-	Personal 18 Month IRA
0.20%	$500	-	Personal 6 Month IRA
0.20%	$500	-	Business 6 Month IRA
0.15%	$500	-	Personal 3 Month IRA
0.15%	$500	-	Business 3 Month IRA

Locations

First Citizens' Federal Credit Union has 12 locations. Click to view all First Citizens' Federal Credit Union locations.