First Citizens Federal Credit Union Rates and Review February 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.
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First Citizens Federal Credit Union's 3 Years CD rates are at 0.75%, 2 year CD rates are at 0.50%, 1 Year CD rates are at 0.45%, 18 month CD rates are at 0.25%, 6 month CD rates are at 0.20%. First Citizens Federal Credit Union's savings rates are at 0.05%. First Citizens Federal Credit Union's 30-Year Fixed Mortgage rates are at 5.00%, 15-Year Fixed rates are at 5.00%, Mortgage rates are at 5.00%, Mortgage rates are at 5.00%, Mortgage rates are at 5.00%.
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 by leaving a review below, or read customer reviews before you decide to use . First Citizens Federal Credit Union Texas RatioFirst Citizens Federal Credit Union's Texas Ratio is at 2.23%, which is considered excellent. The Texas Ratio for First Citizens Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that First Citizens Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
First Citizens Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, First Citizens Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
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 
First Citizens Federal Credit Union CD Rates
First Citizens Federal Credit Union Savings Rates
First Citizens Federal Credit Union Money Market Rates
First Citizens Federal Credit Union Checking Rates
First Citizens Federal Credit Union Mortgage Rates
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 & 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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