First Citizens' Credit Union
Verified rate book
Current First Citizens' Credit Union rates
7 published offers verified as of August 4, 2026.
Mortgage rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 5.567% APR | 5.500% | — | Standard |
| 15-Year Fixed15 year fixed | 5.614% APR | 5.500% | — | Standard |
| 20-Year Fixed20 year fixed | 5.590% APR | 5.500% | — | Standard |
| 10-Year Fixed10 year fixed | 5.662% APR | 5.500% | — | Standard |
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 4.750% APR | 4.750% | — | Standard |
| Home Equity Loan (Fixed)heloc_fixed | 5.412% APR | 5.000% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 5.000% APR | 5.000% | — | Standard |
As of August 4, 2026, First Citizens' Credit Union offers a 30-year fixed mortgage at 5.567% APR. HELOC rates from 4.75% APR. Personal loan rates from 5% APR.
Source: RateAPI.dev, verified from First Citizens' Credit Union's official website
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About First Citizens' Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 42.9K
- Assets
- $697M
- Founded
- 1937
- Locations reported
- 11
- NCUA charter
- 24254
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial education
- First-time homebuyer program
- Bilingual services
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join First Citizens' Credit Union
Membership eligibility from First Citizens' Credit Union's own published criteria. How we verify this.
Membership criteria are published on First Citizens' Credit Union's website. Check the membership page below to confirm whether you qualify.
- LocationBarnstable, Bristol, Plymouth — MA
Verified from First Citizens' Credit Union's membership page. Final membership determination is always made by the credit union.
Work at First Citizens' Credit Union?
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Frequently Asked Questions
What rates does First Citizens' Credit Union offer?
First Citizens' Credit Union currently offers mortgage, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are First Citizens' Credit Union rates updated?
RateAPI verifies First Citizens' Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get First Citizens' Credit Union's rate data?
Rate data is collected directly from First Citizens' Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is First Citizens' Credit Union's mortgage rate?
As of August 4, 2026, First Citizens' Credit Union offers a 30-year fixed mortgage at 5.567% APR.
What is First Citizens' Credit Union's HELOC rate?
As of August 4, 2026, First Citizens' Credit Union offers home equity lines of credit from 4.75% APR.
What is First Citizens' Credit Union's personal loan rate?
As of August 4, 2026, First Citizens' Credit Union offers personal loans from 5% APR.
Related Rate Data
Compare First Citizens' Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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View MethodologyTrack First Citizens' Credit Union rates
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# Get rates for First Citizens' Credit Union
curl "https://api.rateapi.dev/credit-unions/massachusetts/first-citizens" \
-H "Authorization: Bearer YOUR_API_KEY"