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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 First Citizens Federal 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 29, 2026
First Citizens Federal Credit Union's Term CD - 3 Years rates are at 0.75%, Term CD - 4 Years rates are at 0.75%, Term CD - 5 Year rates are at 0.75%, Term CD - 2 Year rates are at 0.50%, Term CD - 1 Year rates are at 0.45%. First Citizens Federal Credit Union's savings rates are at 0.30%. First Citizens Federal Credit Union's money market rates are at 0.25%. First Citizens Federal Credit Union's checking rates are as high as 0.30%. First Citizens Federal Credit Union's One Loan - 1 Yr Adjustable Rate Mortgage rates are at 5.00%, Conforming Fixed - 30-Year Fixed rates are at 6.00%, Conforming Fixed - 20-Year Fixed rates are at 6.00%, Conforming Fixed - 15-Year Fixed rates are at 6.00%, Conforming Fixed - 10-Year Fixed rates are at 6.00%. First Citizens Federal Credit Union's Auto Loan Rates are as low as 5.00%. First Citizens Federal Credit Union's CD rates are 83% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of First Citizens Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.13%. Rates last updated and verified on 10/29/2026. First Citizens Federal 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 First Citizens Federal Credit Union? Share your experience about First Citizens Federal Credit Union by leaving a review below, or read customer reviews before you decide to use First Citizens Federal Credit Union. First Citizens Federal Credit Union
ADMINISTRATION CTR 200 Mill Rd Ste 100
https://www.firstcitizens.org FAIRHAVEN, MA 02719  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. First Citizens Federal Credit Union CD Rates
First Citizens Federal Credit Union Savings Rates
First Citizens Federal Credit Union Business Savings Rates
First Citizens Federal Credit Union Money Market Rates
First Citizens Federal Credit Union Business Money Market Rates
First Citizens Federal Credit Union Checking Rates
First Citizens Federal Credit Union Business Checking Rates
First Citizens Federal Credit Union Mortgage Rates
First Citizens Federal Credit Union Home Equity & HELOC
First Citizens Federal Credit Union Auto Loan Rates
Financial Health HistoryFirst Citizens Federal Credit Union’s Texas Ratio fell from 3.11% in Q3 2023 to 2.13% 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 First Citizens Federal 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 First Citizens Federal 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 First Citizens Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Citizens Federal Credit Union
Website
https://www.firstcitizens.org
Address
200 Mill Rd Ste 100,
FAIRHAVEN, MA 02719
Phone
800-642-7515
Fax
President
Rev David Lima
CEO
Christopher Howard
Full-Time Employees
137
Part-Time Employees
1
Branch Locations
12
ATM Locations
12
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
2.13%
Return on Assets (ROA)
0.4569%
Return on Equity (ROE)
2.2631%
Non-Performing Loans Ratio (NPL)
0.77%
Total Assets
705,879,902
Total Amount of Shares and Deposits
559,826,146
Total Shares and Deposits < 1 Year
557,869,160
Total Shares and Deposits 1 3 Years
1,725,922
Total Shares and Deposits > 3 Years
231,063
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
35,996,054
Total Uninsured Shares and Deposits > $250K (F+J)
35,996,054
Total Insured Shares and Deposits > $250K (item 17 less item K)
523,830,092
Total Interest Expense (Sum of items 6 8)
1,968,926
Share Certificates
2,244
Number of Accounts for Share Drafts
30,615
IRA KEOGH Accounts
1,247
Number of Accounts for Regular Shares
22,500
All other shares
1,570
Money Market Shares
1,570
Net Income (unless the amount is already included in Undivided Earnings)
3,225,195
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)
227,018,556
Total Liabilities
563,769,885
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About First Citizens Federal Credit UnionDoes First Citizens Federal Credit Union offer CDs?Yes. First Citizens Federal Credit Union current CD rates include its Term CD - 3 Years at 0.75% APY, its Term CD - 4 Years at 0.75% APY and its Term CD - 5 Year at 0.75% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from First Citizens Federal Credit Union NCUA insured?Yes. First Citizens Federal 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 First Citizens Federal Credit Union?The highest First Citizens Federal Credit Union CD rate is its Term CD - 3 Years at 0.75% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does First Citizens Federal Credit Union offer?First Citizens Federal Credit Union CD rates are 0.45% APY for a 12 month CD, 0.25% APY for an 18 month CD, 0.50% APY for a 2 year CD, 0.75% APY for a 3 year CD, 0.75% APY for a 4 year CD and 0.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with First Citizens Federal Credit Union for its full lineup. What is the highest savings rate at First Citizens Federal Credit Union?The highest First Citizens Federal Credit Union savings rate is its Business Savings Plus at 0.30% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at First Citizens Federal Credit Union?The highest First Citizens Federal Credit Union money market rate is its Elite Money Market Savings at 0.25% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at First Citizens Federal Credit Union?The highest First Citizens Federal Credit Union checking rate is its High Yield Business Checking at 0.30% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest 30 year fixed mortgage rate at First Citizens Federal Credit Union?The lowest First Citizens Federal Credit Union 30 year fixed mortgage rate is its Conforming Fixed - 30-Year Fixed at 6.00%, verified by MonitorBankRates as of October 29, 2026. First Citizens Federal Credit Union mortgage rates are 6.00% for a 30 year mortgage, 6.00% for a 20 year mortgage, 6.00% for a 15 year mortgage, 6.00% for a 10 year mortgage and 5.00% for a 1 year mortgage. What is the lowest auto loan rate at First Citizens Federal Credit Union?The lowest First Citizens Federal Credit Union auto loan rate is its Auto Loan at 5.00%, verified by MonitorBankRates as of October 29, 2026. How many branches does First Citizens Federal Credit Union operate?First Citizens Federal 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 First Citizens Federal Credit Union?Yes, to access services at First Citizens Federal 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, First Citizens Federal 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, First Citizens Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Citizens Federal Credit Union offer online and mobile banking?Most modern institutions like First Citizens Federal 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.firstcitizens.org. 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 First Citizens Federal Credit Union rates compare?First Citizens Federal Credit Union's CD rates are 83% lower than the MonitorBankRates national average, and it has an A+ health rating. First Citizens Federal Credit Union's top rates are its Term CD - 3 Years at 0.75% APY, its Business Savings Plus at 0.30% APY, its Elite Money Market Business at 0.25% APY, its High Yield Business Checking at 0.30% APY, its One Loan - 1 Yr Adjustable Rate Mortgage at 5.00% and its Auto Loan at 5.00% APR, verified by MonitorBankRates on October 29, 2026. Current First Citizens Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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