--- title: "First Citizens' Credit Union: #1 Mortgage in Massachusetts" description: "First Citizens' Credit Union has the lowest tracked 30-year fixed mortgage rate in Massachusetts (6.07% APR) among 16 credit unions we verify. First Citizens' Credit Union rates today: 30 year fixed mortgage 6.07% APR, HELOC from 5.41% APR, personal loans from 5.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join First Citizens' Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/massachusetts/first-citizens" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # First Citizens' Credit Union: #1 Mortgage in Massachusetts ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 6.069% APR | 6.000% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.116% APR | 6.000% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.092% APR | 6.000% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.164% APR | 6.000% | — | Standard | First Citizens' Credit Union mortgage rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 5.000% | — | Standard | | **Home Equity Loan (Fixed)** heloc_fixed | 5.412% APR | 5.000% | — | Standard | First Citizens' Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | 5.000% APR | 5.000% | — | Standard | First Citizens' Credit Union personal loan rates as of November 12, 2026 As of November 12, 2026, First Citizens' Credit Union offers a 30-year fixed mortgage at 6.069% APR. HELOC rates from 5.412% APR. Personal loan rates from 5% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/massachusetts/first-citizens) , verified from [First Citizens' Credit Union's official website](https://www.firstcitizens.org/) Best product position **#1 of 16** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **99 bp better than median** 30-year fixed mortgage Products ranked **3** across tracked Massachusetts markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.07% | #1 of 16 · lowest in Massachusetts | State market leader | 99 bp better than median | | HELOC | 5.41% | Better than the Massachusetts median | 91 bp from state best | 134 bp better than median | | personal loan | 5.00% | #1 of 52 · lowest in Massachusetts | State market leader | 450 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim First Citizens' Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=first-citizens&state=massachusetts&code=MA&name=First%20Citizens'%20Credit%20Union) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Brightbridge** Fairhaven · Fairhaven · MA · 02719 About 1.1 miles away](https://rateapi.dev/credit-unions/massachusetts/brightbridge) [**Southcoast** ATT Site · Fairhaven · MA · 02719 About 1.3 miles away](https://rateapi.dev/credit-unions/massachusetts/southcoast) [**Alltrust** Alltrust Credit Union Main Office · Fairhaven · MA · 02719 About 1.3 miles away](https://rateapi.dev/credit-unions/massachusetts/alltrust) [**St. Anne's** Fairhaven · Fairhaven · MA · 02719-3090 About 1.7 miles away](https://rateapi.dev/credit-unions/massachusetts/st-annes) [**Taunton** Taunton Federal Credit Union · New Bedford · MA · 02740 About 2.7 miles away](https://rateapi.dev/credit-unions/massachusetts/taunton) [**New Bedford** New Bedford Credit Union · New Bedford · MA · 02740-6635 About 2.9 miles away](https://rateapi.dev/credit-unions/massachusetts/new-bedford) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on First Citizens' Credit Union's website. Check the membership page below to confirm whether you qualify. - Location dukes, nantucket, norfolk, bristol, plymouth, barnstable — MA Verified from [First Citizens' Credit Union's membership page](https://www.firstcitizens.org/about/our-community/why-first-citizens) . Final membership determination is always made by the credit union. ## Membership rules for First Citizens' Credit Union Geography 6 counties 36 published paths to membership, last verified August 27, 2026, quoted from First Citizens' Credit Union’s own published criteria. ### Geography 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Barnstable County, MA - Bristol County, MA - Dukes County, MA - Nantucket County, MA - Norfolk County, MA - Plymouth County, MA “Persons who live, worship, work (or regularly conduct business in), attend school in, or businesses or other legal entities in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk Counties, Massachusetts are eligible to become a member” > [source ↗](https://www.firstcitizens.org/about/our-community/why-first-citizens) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for First Citizens' Credit Union? Yes No ## Work at First Citizens' Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where First Citizens' Credit Union ranks against Massachusetts peers. - See which AI assistants fetched First Citizens' Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Massachusetts - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=first-citizens&state=massachusetts&code=MA&name=First%20Citizens'%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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 November 12, 2026, First Citizens' Credit Union offers a 30-year fixed mortgage at 6.069% APR. ### What is First Citizens' Credit Union's HELOC rate? As of November 12, 2026, First Citizens' Credit Union offers home equity lines of credit from 5.412% APR. ### What is First Citizens' Credit Union's personal loan rate? As of November 12, 2026, First Citizens' Credit Union offers personal loans from 5% APR. ### Who can join First Citizens' Credit Union? First Citizens' Credit Union publishes its membership criteria on its own website. RateAPI tracks 36 published membership paths covering 6 counties for First Citizens' Credit Union, each quoted from First Citizens' Credit Union's own published membership criteria. ## Related Rate Data Compare First Citizens' Credit Union's rates against national credit-union benchmarks. [More Massachusetts credit unions](https://rateapi.dev/credit-unions/massachusetts) [Massachusetts mortgage rate leaders](https://rateapi.dev/mortgage-rates/massachusetts) [Massachusetts HELOC rate leaders](https://rateapi.dev/heloc-rates/massachusetts) [Massachusetts personal loan leaders](https://rateapi.dev/personal-loan-rates/massachusetts) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.firstcitizens.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track First Citizens' Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Massachusetts credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for First Citizens' Credit Union curl "https://api.rateapi.dev/credit-unions/massachusetts /first-citizens " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## First Citizens' Credit Union locations Search, filter, and browse all 11 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/massachusetts/first-citizens Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp