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First Citizens' Federal Credit Union


Overview / Commentary
www.firstcitizens.org
508-542-2825
200 Mill Rd Ste 100
Fairhaven, MA 02719-5252

First Citizens' Federal Credit Union is headquartered in FAIRHAVEN and is the 17th largest credit union in the state of Massachusetts. It is also the 542nd largest credit union in the nation. It was established in 1937 and as of June of 2023, it had grown to 152 employees and 68,797 members at 12 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

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Health
B+

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #24254
Year Chartered1937
Employees152
Primary Regulator
Profit Margin
Return on Assets - YTD1.68%
Return on Equity - YTD11.26%
Annual Interest Income$15.9MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$769.4MM$888.0MM
LoansQ2 2023vs Q2 2022$652.8MM$726.1MM
DepositsQ2 2023vs Q2 2022$641.2MM$771.7MM
Equity CapitalQ2 2023vs Q2 2022$116.5MM$98.5MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$4.8MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$4.0MM$1.9MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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%--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 - New Money
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% → 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
0.75%$500-Business 3 Year Share Certificate
0.75%$500-Business 4 Year Share Certificate
0.75%$500-Business 5 Year Share Certificate
0.50%$500-2 Year Share Certificate
0.50%$500-Business 2 Year Share Certificate
0.45%$500-1 Year Share Certificate
0.45%$500-Business 1 Year 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

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

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