Credit union · NCUA insured
First Citizens Federal Credit Union
A $697M credit union headquartered in Fairhaven, MA, with 42,903 members and 10 branches in Massachusetts. Best rates: CDs 0.75% and savings 0.10% APY.
First Citizens Federal Credit Union Carrot Score
66
Carrot Score
Higher than 17% of U.S. banks and credit unions
#37 of 44 in Providence, RI-MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Citizens Federal Credit Union
First Citizens Federal Credit Union maintains its administration center in Fairhaven, Massachusetts.
- Headquarters
- 200 Mill Rd Ste 100, Fairhaven, MA 02719
- NCUA charter
- 24254
Branches
10 branches in Massachusetts
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Massachusetts
10 branches
Providence area · 5
- Downtown New Bedford468 County St, New Bedford, MA 02740Directions
- North New Bedford570 N Front St, New Bedford, MA 02745Directions
- South New Bedford1341 Cove Rd, New Bedford, MA 02744Directions
- Raynham629 South St W, Raynham, MA 02767Directions
- Taunton289 Winthrop St, Taunton, MA 02780Directions
Barnstable Town area · 4
- Hyannis66 Falmouth Rd, Hyannis, MA 02601Directions
- Mashpee71 Job's Fishing Rd, Mashpee, MA 02649Directions
- Orleans6A West Rd, Orleans, MA 02653Directions
- South Dennis423 Route 134, South Dennis, MA 02660Directions
Boston area · 1
- Mattapoisett2 Fairhaven Rd, Mattapoisett, MA 02739Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 20.19% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.77% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.93% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $72 | $76 | — |
- CapitalNet worth ratio20.19%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.77%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.93%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$72Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of First Citizens Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.