First Citizens Federal Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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First Citizens Federal Credit Union

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.

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 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.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
First Citizens Federal Credit Union
ADMINISTRATION CTR
200 Mill Rd Ste 100
FAIRHAVEN, MA 02719
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare First Citizens Federal Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
My eBanc, a division of Bradesco Bank
My eBanc, a division of Bradesco Bank
6-Month CD (Jumbo)
4.40%
$50,000
Goldwater Bank
Goldwater Bank
12-Month CD
4.25%
$500
First State Bank of Beecher City
First State Bank of Beecher City
3-Month CD
4.00%
$500
Riverland Bank
Riverland Bank
24-Month CD
4.00%
$1,000
F&M Bank of St. Clair
F&M Bank of St. Clair
12-Month CD
3.90%
$500
First Southwest Bank
First Southwest Bank
12-Month CD
3.90%
$1,000
New Albin Savings Bank
New Albin Savings Bank
60-Month CD
3.80%
$1,000
First National Bank in Olney
First National Bank in Olney
24-Month CD
3.45%
$500
Commerce Bank & Trust Winter Park, FL
Commerce Bank & Trust Winter Park, FL
36-Month CD
3.00%
$0
Community Bank Bristow, OK
Community Bank Bristow, OK
18-Month CD
3.00%
$1,000
The Grant County Bank
The Grant County Bank
12-Month CD
3.00%
$500
United Savings Bank Philadelphia, PA
United Savings Bank Philadelphia, PA
6-Month CD
3.00%
$1,000
Mauch Chunk Trust Company
48-Month CD
2.81%
$500
Home Federal Bank of Tennessee
Home Federal Bank of Tennessee
60-Month CD
2.80%
$500
Machias Savings Bank
Machias Savings Bank
60-Month CD
2.80%
$500
First State Bank and Trust
First State Bank and Trust
12-Month CD
2.78%
$1,000
Haddon Savings Bank
Haddon Savings Bank
12-Month CD
2.60%
$500
Longview Bank
Longview Bank
60-Month CD
2.50%
$500
Ixonia Bank
Ixonia Bank
24-Month CD
2.35%
$1,000
Kearny Bank
Kearny Bank
18-Month CD
2.25%
$500
Bank of Wolcott
Bank of Wolcott
12-Month CD
2.25%
$5,000
Logansport Savings Bank
Logansport Savings Bank
48-Month CD
2.02%
$1,000
Merrimack County SB
Merrimack County SB
24-Month CD
1.75%
$500
Achieva Credit Union
Achieva Credit Union
48-Month CD
1.75%
$500
Fremont Bank
Fremont Bank
60-Month CD
1.25%
$2,500
Bank of Herrin
Bank of Herrin
Reward Checking
1.11%
$100
Franklin SB Farmington, ME
Franklin SB Farmington, ME
36-Month CD
1.00%
$500
North Shore Trust and Savings
North Shore Trust and Savings
12-Month CD
1.00%
$1,000
PeopleFirst Bank
PeopleFirst Bank
60-Month CD
1.00%
$2,500
Highland Bank
Highland Bank
Money Market Savings
0.90%
$1,000
Raritan State Bank
Raritan State Bank
Money Market
0.85%
$1,500
FCN Bank, N.A.
FCN Bank, N.A.
60-Month CD
0.70%
$1,000
Accentra Credit Union
Accentra Credit Union
60-Month CD
0.70%
$500
The Victory Bank
The Victory Bank
36-Month CD
0.65%
$500
Spencer Savings Bank
Spencer Savings Bank
48-Month CD
0.55%
$1,000
Atkins Savings B&T
Atkins Savings B&T
3-Month CD
0.50%
$1,000
Peoples State Bank Ellettsville, IN
Peoples State Bank Ellettsville, IN
3-Month CD
0.50%
$500
First State Bank of Harvey
First State Bank of Harvey
Regular Savings
0.45%
$0
Verus Bank of Commerce
Verus Bank of Commerce
60-Month CD
0.45%
$1,000
Elkhorn Valley Bank & Trust
Elkhorn Valley Bank & Trust
Money Market
0.40%
$0
American Savings Bank, FSB
American Savings Bank, FSB
24-Month CD
0.25%
$1,000
First Bank Creve Coeur, MO
First Bank Creve Coeur, MO
24-Month CD
0.20%
$1,000
State Bank & Trust Company
State Bank & Trust Company
Money Market
0.15%
$0
NVE Bank
NVE Bank
18-Month CD
0.13%
$1,000
BankOrion
BankOrion
Statement Savings
0.05%
$0
Homewood Federal SB
Homewood Federal SB
NOW Checking
0.05%
$300
Cambridge Trust Company
Cambridge Trust Company
3-Month CD
0.05%
$2,500
Collinsville Building and Loan Association
Collinsville Building and Loan Association
Classic Money Market
0.05%
$0
First National Bank in Pinckneyville
First National Bank in Pinckneyville
Super NOW Checking
0.02%
$100
First Citizens Bank
First Citizens Bank
12-Month CD
0.01%
$500
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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.

Compare First Citizens Federal Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
A+ Federal Credit Union
A+ Federal Credit Union
15-Year Fixed
5.375%
5.476%
0.000
GTE Federal Credit Union
GTE Federal Credit Union
15 Year Fixed
5.375%
5.547%
0.500
Americas First Federal Credit Union
Americas First Federal Credit Union
15-Year Fixed
5.250%
5.562%
0.000
Kohler Credit Union
Kohler Credit Union
15 Year Fixed
5.625%
5.802%
0.000
Everett Co-operative Bank
Everett Co-operative Bank
15-Year Fixed
5.750%
5.825%
0.000
Old National Bank
Old National Bank
15-Year Fixed
5.750%
5.830%
0.000
Navy Federal Credit Union
Navy Federal Credit Union
3/5 Conforming ARM
5.250%
5.846%
0.250
FNB of River Falls
FNB of River Falls
15-Year Fixed
5.750%
5.868%
0.000
Ulster Savings Bank
Ulster Savings Bank
7-Year ARM
5.375%
5.877%
0.000
Magnifi Financial Credit Union
Magnifi Financial Credit Union
15 Year Fixed
5.750%
5.887%
0.000
Investment Savings Bank
Investment Savings Bank
3/1 ARM
6.000%
5.892%
0.000
Mutual Security Credit Union
Mutual Security Credit Union
15-Year Fixed
5.875%
5.918%
0.000
Y-12 Federal Credit Union
Y-12 Federal Credit Union
15-Year Fixed
5.750%
5.945%
1.000
Spire Credit Union
Spire Credit Union
10/1 ARM (Jumbo)
6.125%
5.974%
0.000
McCoy Federal Credit Union
McCoy Federal Credit Union
15 Year Fixed
5.750%
5.977%
0.000
Wells Fargo
Wells Fargo
30-Year Fixed VA
5.750%
5.979%
1.000
Teachers Federal Credit Union
Teachers Federal Credit Union
15-Year Fixed
5.875%
5.990%
0.000
Citizens State Bank Cadott, WI
Citizens State Bank Cadott, WI
15-Year Fixed
5.750%
6.038%
0.000
First Citizens Federal Credit Union
First Citizens Federal Credit Union
30 Year Fixed
6.000%
6.067%
0.000
USB Union Savings Bank
USB Union Savings Bank
15-Year Fixed
5.875%
6.087%
0.000
First Citizens Federal Credit Union
First Citizens Federal Credit Union
20 Year Fixed
6.000%
6.090%
0.000
First Citizens Federal Credit Union
First Citizens Federal Credit Union
15 Year Fixed
6.000%
6.113%
0.000
Service Federal Credit Union
Service Federal Credit Union
5/1 ARM
5.375%
6.137%
0.000
First Citizens Federal Credit Union
First Citizens Federal Credit Union
10 Year Fixed
6.000%
6.160%
0.000
Meridian Trust Federal Credit Union
Meridian Trust Federal Credit Union
20 Year Fixed
6.000%
6.244%
0.000
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The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare First Citizens Federal Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power MasterCard
12.740% - 18.000%
ACFCU
ACFCU
Travel Rewards+ Card Visa
19.740% - 29.740%
Earn 4x unlimited points on travel and more, plus receive a $250 bonus.
Marcus Bank
Marcus Bank
GM Extended Family™ Mastercard®
20.240% - 29.990%
0% Intro purchase APR for first 9 months
ABCO Federal Credit Union
ABCO Federal Credit Union
VISA® Credit Cards
7.990%
1st Cooperative Federal Credit Union
1st Cooperative Federal Credit Union
Visa Platinum Credit Card
8.500%
As low as 8.50%
Canyon View Credit Union
Canyon View Credit Union
Visa Crimson Rewards Card
13.740%
1st Valley Credit Union
1st Valley Credit Union
Platinum Visa
8.750%
Acipco Federal Credit Union
Acipco Federal Credit Union
Visa Credit Card
9.990%
1st MidAmerica Credit Union
1st MidAmerica Credit Union
Platinum Rewards
8.900% - 13.900%
Based upon credit worthiness.
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
Visa Credit Card
11.900%
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Visa or MasterCard
9.990%
Credit Line $500-$7,000
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Platinum
16.200%
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
BECU Cash Back Visa
16.240% - 27.240%
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Cash Back
16.100%
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Visa Gold or Gold MasterCard
9.990%
Credit Line $7,000-$20,000
705 Federal Credit Union
705 Federal Credit Union
VISA Credit Card
7.900% - 15.900%
Maximum credit card amount offered is $10,000 with a 36-month term.
1st MidAmerica Credit Union
1st MidAmerica Credit Union
Platinum
8.900%
A & S Federal Credit Union
A & S Federal Credit Union
Visa Platinum Card
9.500%
No annual fee; Earn Rewards
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Secured
18.000%
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
BECU Visa
13.240% - 25.240%
0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening.
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred Student
17.990%
Acadia Federal Credit Union
Acadia Federal Credit Union
Acadia Visa Credit Card
10.900%
No annual fee
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Low Rate
14.000%
Canyon View Credit Union
Canyon View Credit Union
Visa Student Rewards Card
17.990%
ACFCU
ACFCU
Reserve Rewards+ Card Visa
19.740% - 29.740%
Enjoy premium rewards and benefits, plus receive a $500 bonus.
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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.

Compare First Citizens Federal Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
Acme Continental Credit Union
Acme Continental Credit Union
Signature Loan
8.950%
$0
1 - 60
Achieve Financial Credit Union
Achieve Financial Credit Union
Student Loan Consolidation
5.490%
$0
Vystar Credit Union
Vystar Credit Union
Personal Line of Credit
16.240%
$0
60
Access Federal Credit Union
Access Federal Credit Union
Consolidation Loans
14.850%
$0
37 - 60
Advantage Credit Union Newtown, IA
Advantage Credit Union Newtown, IA
Personal Loans
14.700%
$8,000
60 - 60
Access Credit Union Bristol Pa Credit Union
Access Credit Union Bristol Pa Credit Union
Personal Loans
7.990%
$0 - $30,000
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
Personal Loan
9.200% - 17.950%
$0 - $15,000
60 - 60
The Golden 1 Credit Union
The Golden 1 Credit Union
Personal Loan
8.890%
$0
Circuit Federal Credit Union
Circuit Federal Credit Union
Personal Loans
10.250% - 10.650%
$3,000 - $25,000
Randolph Brooks FCU
Randolph Brooks FCU
Personal Line of Credit
12.950% - 18.000%
$0
Advantage Plus Federal Credit Union
Advantage Plus Federal Credit Union
Signature Loan
12.990%
$0
1 - 24
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
12.500%
$0
60 - 60
705 Federal Credit Union
705 Federal Credit Union
Personal Loan
12.250% - 17.000%
$0 - $20,000
AAEC Credit Union
AAEC Credit Union
Education (tuition bill required)
8.250%
$0
60
Accentra Credit Union
Accentra Credit Union
Personal Loan
11.760%
$0
705 Federal Credit Union
705 Federal Credit Union
Personal Line of Credit
11.500% - 18.000%
$0 - $5,000
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
Line of Credit Variable Rate
10.200% - 17.950%
$0 - $15,000
1 - 60
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
Signature Personal Loan
12.650%
$0 - $15,000
1 - 36
Advantage Credit Union Newtown, IA
Advantage Credit Union Newtown, IA
Personal Loans
13.700%
$2,500 - $5,000
36 - 36
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
11.500%
$0
48 - 48
Achieva Credit Union
Achieva Credit Union
Personal Loan
11.000%
$0
1 - 12
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Consumer Loan
10.250% - 17.950%
$0
1 - 36
A+ Federal Credit Union
A+ Federal Credit Union
A+ Preferred Line Of Credit
10.990%
$0
AAEC Credit Union
AAEC Credit Union
Bill Consolidation Loan
8.990%
$0
60
The Golden 1 Credit Union
The Golden 1 Credit Union
Personal Line of Credit
13.040%
$0
Show More

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.

First Citizens Federal Credit Union Information

Credit Union Name: First Citizens Federal Credit Union
Full Time Employees: 145
Part Time Employees: 1
President: Rev David Lima
CEO: Christopher Howard
Branch Locations: 11
ATM Locations: 11
Corporate Office Address:
200 Mill Rd Ste 100
FAIRHAVEN, MA 02719
Phone Number: 800-642-7515
Fax Number:

First Citizens Federal Credit Union Financials

Total Assets:
709,457,963
Total Amount of Shares and Deposits:
571,508,099
Total Shares and Deposits < 1 Year:
567,826,117
Total Shares and Deposits 1 3 Years:
2,851,953
Total Shares and Deposits > 3 Years:
830,029
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
27,440,666
Total Uninsured Shares and Deposits > $250K (F+J):
27,440,666
Total Insured Shares and Deposits > $250K (item 17 less item K):
544,067,433
Total Interest Expense (Sum of items 6 8):
917,237
Share Certificates:
2,325
Number of Accounts for Share Drafts:
32,459
IRA KEOGH Accounts:
1,566
Number of Accounts for Regular Shares:
28,720
All other shares:
3,017
Money Market Shares:
1,878
Net Income (unless the amount is already included in Undivided Earnings):
2,709,464
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
92,757,190
Total Liabilities:
583,676,038
Show More

First Citizens Federal Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
Yes
Is Financial Counseling Offered?:
No
Financial Education offered for Members?:
Yes
Are financial literacy Workshops offered?:
Yes
Is there a first time homebuyer program?:
Yes
Credit management and repair offered?:
No
Online Financial Literacy?:
No
Bilingual Services:
1
No Cost Bill Payer:
Yes
Student Scholarships:
1
Mortgage Processing:
Yes
Approved Mortgage Seller?:
Yes
Brokered Deposits (All deposits acquired through a third party):
1
payment:
Yes
Are low cost wire transfers available?:
No
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
No
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA Last Updated 03/31/2024

Explore Other Rate Deals

Mortgage Rates Increase: 30 Year Mortgage Rates at 5.07% and 15 Year Mortgage Rates at 4.43%Fixed mortgage rates increased this week over last week. Fixed conforming 30 year mortgage rates are back above 5.00 percent for the first time in several weeks. 30 year mortgage rates are averaging 5.07 percent, up from last week's average mortgage rate of 4.95 percent.
indymac-federal-bank1IndyMac Federal Bank is offering a special online money market account rate of 3.75% APY. The minimum opening balance for their E-Money Market account is $1,000. To receive the 3.75% rate you need a minimum balance of $50,000. Balances between $1,000 and $9,999 receive a rate of 3.10% APY, balances between $10,000 and $24,999 receive a rate of 3.30% and balances between $25,000 and $49,999 receive a rate of 3.65%.
CD Rates this week remain relatively unchanged as we move closer and closer to the fiscal cliff. The equities markets are starting to get a little jittery as the debt talks move very slowly. On Sunday, Christine Lagarde, the head of the International Monetary Fund, warned that U.S. growth will fall to zero percent in 2013 if no deal is made on the fiscal cliff. Both stock prices and Bond yields are slightly lower this morning.

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First Citizens Federal Credit Union Reviews

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