Credit union · NCUA insured
First Citizens Federal Credit Union Savings Rates
First Citizens Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Elite Money Market Savings. Rates checked October 15, 2026.
How First Citizens Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Providence, RI-MA, where First Citizens Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Citizens Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $10
Statement Savings
Top rate
St. Anne's Credit Union
4.95%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $495
2nd-highest rate
Alltrust Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
First Citizens Federal Credit Union savings score
65
Savings score
Higher than 15% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Citizens Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Elite Money Market Savings
Up to 0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.05% | $5 |
| $10,000 – $25,000 | 0.10% | $10 |
| $25,000 – $50,000 | 0.15% | — |
| $50,000 – $75,000 | 0.20% | — |
| $75,000 and up | 0.25% | — |
Sources (1)
- firstcitizens.org/rates · captured Sep 18, 2026
Statement Savings
0.10%APY
Must maintain a $1 minimum account balance requirement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum daily balance of $100 required to earn interest dividends/APY.$100 and up | 0.10% | $10 | Minimum daily balance of $100 required to earn interest dividends/APY. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Youth Savings
0.15%APY
For children ages 0-14 (newborn to 14 years old). Must be opened with an adult 18 or older as joint owner. Reverts to Statement Savings upon reaching age 14.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust maintain a minimum daily balance of $100.00 each day to obtain the disclosed APY.$100 and up | 0.15% | $15 | Must maintain a minimum daily balance of $100.00 each day to obtain the disclosed APY. |
Sources (3)
- firstcitizens.org/personal/save-and-spend/savings
- firstcitizens.org/personal/save-and-spend/youth-savings
- firstcitizens.org/rates
All captured Sep 18, 2026
Who can join First Citizens Federal Credit Union
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