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Advertiser Disclosure
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 Fall River Municipal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Fall River Municipal Credit Union's CD - 24 Month rates are at 3.45%, CD - 36 Month rates are at 3.25%, CD - 48 Month rates are at 3.05%, CD - 60 Month rates are at 3.05%, CD - 6 Month rates are at 3.04%. Fall River Municipal Credit Union's savings rates are at 0.20%. Fall River Municipal Credit Union's money market rates are at 0.50%. Fall River Municipal Credit Union's checking rates are as high as 0.20%. Fall River Municipal Credit Union's Fixed Rate Mortgage - 10 Year rates are at 5.75%, Fixed Rate Mortgage - 15 Year rates are at 6.00%, Fixed Rate Mortgage - 20 Year rates are at 6.12%, Fixed Rate Mortgage - 30 Year rates are at 6.20%, Adjustable Rate Mortgage (ARM) - 7/1 ARM rates are at 5.88%. Fall River Municipal Credit Union's Personal Loan Rates are as low as 11.50%. Fall River Municipal Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Fall River Municipal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.89%. Rates last updated and verified on 10/30/2026. Fall River Municipal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Fall River Municipal Credit Union? Share your experience about Fall River Municipal Credit Union by leaving a review below, or read customer reviews before you decide to use Fall River Municipal Credit Union. Fall River Municipal Credit Union
Main Office 333 Milliken Blvd
https://www.frmcu.com Fall River, MA 02721  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Fall River Municipal Credit Union CD Rates
Fall River Municipal Credit Union Savings Rates
Fall River Municipal Credit Union Money Market Rates
Fall River Municipal Credit Union Checking Rates
Fall River Municipal Credit Union Mortgage Rates
Fall River Municipal Credit Union Home Equity & HELOC
Fall River Municipal Credit Union Auto Loan Rates
Fall River Municipal Credit Union RV, Boat and Powersport Loan Rates
Fall River Municipal Credit Union Personal Loan Rates
Fall River Municipal Credit Union Other Rates
Financial Health HistoryFall River Municipal Credit Union’s Texas Ratio rose from 2.39% in Q3 2023 to 2.89% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Fall River Municipal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Fall River Municipal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Fall River Municipal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Fall River Municipal Credit Union
Website
https://www.frmcu.com
Address
333 Milliken Blvd,
Fall River, MA 02721
Phone
508-678-9028
Fax
508-235-2496
President
Carl Garcia
CEO
Matthew Schondek
Full-Time Employees
46
Part-Time Employees
5
Branch Locations
3
ATM Locations
4
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.89%
Return on Assets (ROA)
0.1067%
Return on Equity (ROE)
1.1234%
Non-Performing Loans Ratio (NPL)
0.47%
Total Assets
316,453,721
Total Amount of Shares and Deposits
241,647,745
Total Shares and Deposits < 1 Year
239,323,081
Total Shares and Deposits 1 3 Years
2,291,996
Total Shares and Deposits > 3 Years
32,668
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
23,613,496
Total Uninsured Shares and Deposits > $250K (F+J)
23,613,496
Total Insured Shares and Deposits > $250K (item 17 less item K)
218,034,249
Total Interest Expense (Sum of items 6 8)
3,304,001
Share Certificates
1,723
Number of Accounts for Share Drafts
5,740
IRA KEOGH Accounts
362
Number of Accounts for Regular Shares
15,571
All other shares
567
Money Market Shares
230
Net Income (unless the amount is already included in Undivided Earnings)
337,528
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,411,562
Total Liabilities
291,602,079
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Fall River Municipal Credit UnionDoes Fall River Municipal Credit Union offer CDs?Yes. Fall River Municipal Credit Union current CD rates include its CD - 24 Month at 3.45% APY, its CD - 36 Month at 3.25% APY and its CD - 48 Month at 3.05% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Fall River Municipal Credit Union NCUA insured?Yes. Fall River Municipal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Fall River Municipal Credit Union?The highest Fall River Municipal Credit Union CD rate is its CD - 12 Month Special at 4.00% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Fall River Municipal Credit Union offer?Fall River Municipal Credit Union CD rates are 3.04% APY for a 6 month CD, 4.00% APY for a 12 month CD, 3.45% APY for a 2 year CD, 3.25% APY for a 3 year CD, 3.05% APY for a 4 year CD and 3.05% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Fall River Municipal Credit Union for its full lineup. What is the highest savings rate at Fall River Municipal Credit Union?The highest Fall River Municipal Credit Union savings rate is its Premium Savings at 0.20% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Fall River Municipal Credit Union?The highest Fall River Municipal Credit Union money market rate is its Premium Money Market at 0.50% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Fall River Municipal Credit Union?The highest Fall River Municipal Credit Union checking rate is its Premium Checking at 0.20% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest 30 year fixed mortgage rate at Fall River Municipal Credit Union?The lowest Fall River Municipal Credit Union 30 year fixed mortgage rate is its Fixed Rate Mortgage - 30 Year at 6.20%, verified by MonitorBankRates as of October 30, 2026. Fall River Municipal Credit Union mortgage rates are 6.20% for a 30 year mortgage, 6.125% for a 20 year mortgage, 6.00% for a 15 year mortgage, 5.75% for a 10 year mortgage, 5.75% for a 5/1 ARM and 5.875% for a 7/1 ARM. What is the lowest auto loan rate at Fall River Municipal Credit Union?The lowest Fall River Municipal Credit Union auto loan rate is its Auto (2025-2026) at 5.70% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Fall River Municipal Credit Union?The lowest Fall River Municipal Credit Union personal loan rate is its Personal Unsecured Loan at 11.50% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Fall River Municipal Credit Union operate?Fall River Municipal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Fall River Municipal Credit Union?Yes, to access services at Fall River Municipal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Fall River Municipal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Fall River Municipal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Fall River Municipal Credit Union offer online and mobile banking?Most modern institutions like Fall River Municipal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.frmcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Fall River Municipal Credit Union rates compare?Fall River Municipal Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A+ health rating. Fall River Municipal Credit Union's top rates are its CD - 12 Month Special at 4.00% APY, its Premium Savings at 0.20% APY, its Premium Money Market at 0.50% APY, its Premium Checking at 0.20% APY, its Fixed Rate Mortgage - 10 Year at 5.75% and its Personal Unsecured Loan at 11.50% APR, verified by MonitorBankRates on October 30, 2026. Current Fall River Municipal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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