Credit union · NCUA insured
First Responders Credit Union
A $448.5M credit union headquartered in Dorchester, MA, with 12,049 members and 1 branch in Massachusetts. Best rates: CDs 3.75% and savings 0.30% APY.
First Responders Credit Union Carrot Score
83
Carrot Score
Higher than 63% of U.S. banks and credit unions
#47 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Responders Credit Union
First Responders Credit Union, formerly Boston Firefighters Credit Union, was established in 1947 and is headquartered in Dorchester, Massachusetts.
Founded by Boston Firefighters to provide collaborative and affordable financial services, the credit union is dedicated to serving Massachusetts first responders and their families.
- Headquarters
- 60 Hallet St, Dorchester, MA 02124-5408
- NCUA charter
- 67837
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retirees of Boston Firefighters Credit Union are eligible for membership.
- Labor Union employees and retirees thereof serving the first responder community in Massachusetts are eligible for membership.
Military, government and schools
- Employees and retirees of fire departments, law enforcement departments, and municipally operated EMS departments in Massachusetts are eligible for membership.
Family and household
- Family members of eligible persons (including spouses, domestic partners sharing the same household, children, parents, grandparents, grandchildren, siblings, aunts, uncles, cousins, nieces, and nephews by blood or marriage) are eligible for membership.
Branches
1 branch in Massachusetts
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Massachusetts
1 branch
- Main OfficeMain office60 Hallet St, Dorchester, MA 02124Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.93% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.68% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.76% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $92 | $76 | — |
- CapitalNet worth ratio12.93%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.68%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.76%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$92Peers’ 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 Responders Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.