First Citizens Federal Credit Union Rates and Review January 2026
Compare First Citizens Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of First Citizens Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityFirst 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 CD rates or 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. Overall, First Citizens Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. First Citizens Federal Credit Union ADMINISTRATION CTR 200 Mill Rd Ste 100 FAIRHAVEN, MA 02719  Mortgage Rate ComparisonLender
Product
Rate
APR
Points
CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVisa Cash Back
16.100%
Visa Platinum Rewards
14.900%
Security Service Power Travel Rewards World MasterCard
16.250% - 17.250%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Loan
8.890%
$0
Personal Loans
14.200%
$5,000 - $8,000
48 - 48
Personal Loans
13.450%
$0
60
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Credit Union Profile & OverviewCredit Union Name: First Citizens Federal Credit Union
Website: https://www.firstcitizens.org
Full Time Employees: 133Part Time Employees: 1 President: Rev David Lima CEO: Christopher Howard Branch Locations: 11 ATM Locations: 12 Corporate Office Address:
200 Mill Rd Ste 100
FAIRHAVEN, MA 02719 Phone Number: 800-642-7515 Fax Number: FinancialsTotal Assets:
687,401,866
Total Amount of Shares and Deposits:
544,366,004
Total Shares and Deposits < 1 Year:
541,604,470
Total Shares and Deposits 1 3 Years:
2,577,766
Total Shares and Deposits > 3 Years:
183,768
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
29,756,096
Total Uninsured Shares and Deposits > $250K (F+J):
29,756,096
Total Insured Shares and Deposits > $250K (item 17 less item K):
514,609,908
Total Interest Expense (Sum of items 6 8):
2,850,269
Share Certificates:
2,127
Number of Accounts for Share Drafts:
31,376
IRA KEOGH Accounts:
1,337
Number of Accounts for Regular Shares:
23,292
All other shares:
1,532
Money Market Shares:
1,544
Net Income (unless the amount is already included in Undivided Earnings):
6,602,665
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
190,317,987
Total Liabilities:
549,746,898
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsWcjm
December 17, 2025
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Frequently Asked Questions About First Citizens Federal Credit UnionIs 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. Is there a first-time homebuyer program?Currently, First Citizens Federal Credit Union provides a range of mortgage and home equity products. Is First Citizens Federal Credit Union a safe place to deposit money?Yes, First Citizens Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does First Citizens Federal Credit Union offer online and mobile banking?Most modern institutions like First Citizens Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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