First Citizens' Federal Credit Union
Headquarters
200 Mill Rd Ste 100
Fairhaven, MA 02719
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2024 Overview
General Credit Union Information
First Citizens' is an NCUA insured institution located in Fairhaven, MA. It was founded in 1937 and has approximately $693.85 millions in assets.
Who can join?
Persons who live, worship, work (or regularly conduct business in), attend school in, or businesses or other legal entities in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk Counties, Massachusetts are eligible to join.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 24254 |
| Date Established | 1937 |
| Assets | $693.85 million |
| Loans | $544.90 million |
| Deposits | $556.45 million |
| Capital | $128.36 million |
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.
Deposit Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.05% | $10,000 | $14,999 |
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|
|
Money Market
|
0.10% | $25,000 | $29,999 |
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|
|
Premium Money Market Account
|
0.10% | $10,000 | $14,999 |
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|
|
Premium Money Market Account
|
0.10% | $25,000 | $34,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for First Citizens'
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.380% | 6.250% | 0.88 | $4,400 | $1,971 | Learn More |
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.984% | 6.875% | 0.88 | $3,545 | $2,103 | Learn More |
NMLS ID: 3030 |
7.200% | 7.125% | 0.75 | $2,400 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to First Citizens'
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are First Citizens' branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
First Citizens' Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 643.53 | A | View Lobby Hours | |
| 647.55 | B | View Lobby Hours | |
| 649.86 | C | View Lobby Hours | |
| 650.07 | D | View Lobby Hours | |
| 650.57 | E | View Lobby Hours | |
| 652.74 | F | View Lobby Hours | |
| 652.74 | G | View Lobby Hours | |
| 656.09 | H | View Lobby Hours | |
| 665.61 | I | View Lobby Hours | |
| 672.71 | J | View Lobby Hours | |
| 683.76 | K | View Lobby Hours | |
| 700.31 | L | View Lobby Hours | |
| 1607.39 | M | View Lobby Hours |
Climate Policy and Initiatives
FIRST CITIZENS' is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
First Citizens' Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of First Citizens'. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| First Citizens' | U.S. Average |
|---|---|
| 7.40% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, First Citizens' had $8,963,121 in non-current loans and $874,069 in owned assets. To cover these potential losses it had $128,358,327 in net worth and $4,522,099 in loans loss reserves. That gives it a Texas Ratio of 7.40%.
Net Worth
| First Citizens' | U.S. Average |
|---|---|
| 18.5% | 13.93% |
First Citizens' FCU has a net worth of 18.5% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for First Citizens'
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