Why First Citizens' Federal Credit Union?

Our mission at First Citizens' is to positively and meaningfully impact our customers by providing financial products and services that are easy to obtain and convenient to use, while at the same time creating and maintaining a positive presence in communities that we serve.

Core Values

  • Do What's Right
  • Get Better Every Day
  • Support & Improve Our Community


First Citizens’ Federal Credit Union was originally named Bristol Credit Union and was organized as a State Chartered Credit Union on November 17, 1937, to serve employees and residents of Bristol County, Massachusetts. Our name was changed to Citizens’ Credit Union when we expanded our operating field of membership to include Bristol, Plymouth, Barnstable, Dukes, Nantucket, and Norfolk Counties. In 1987 the credit union converted from a State Charter to a Federal Charter. In doing so, FCFCU became regulated, meaning our deposits were now federally insured by the NCUA. At that time, we became First Citizens’ Federal Credit Union.

For over 80 years, First Citizens’ has offered stability and evolving products to ensure that our members reach their financial goals and feel secure. We employ over 150 full-time and part-time employees who care about our community. At First Citizens’ Federal Credit Union, we believe in building strong, long-lasting relationships.

Learn more about how we get involved with our community by visiting our Community Impact page.

Who is eligible to join?

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 by simply maintaining a $1.00 account balance.

Customer Identification Program (CIP) (US Patriot Act of 2001 in Section 326)

Benefits of being a Member

A Credit Union's overall mission is to improve the financial well-being of their members while serving the communities they live in. Credit unions are not-for-profit and are member-owned while banks are for-profit and owned by investors. This allows us to be more flexible with rates, fees and loans. You may think large national banks have more ATM accessibility than credit unions, however, our credit union is part of a surcharge-free ATM network, so you can still avoid most fees while you travel!

We are also safe. The National Credit Union Administration (NCUA) provides federal insurance on up to $250,000 of qualifying deposits per depositor. Massachusetts Credit Union Share Insurance Corporation (MSIC) also fully insures excess shares and deposits above the federal insurance limit of $250,000.

Do you like the idea of your banking relationship being with a not-for-profit organization that supports your community with volunteerism as well as financial support? A credit union may be the right choice for you!

Credit Union Rewards

Everyone loves to save. Being a First Citizens' member means you have access to a variety of discounts that can save you money. Take advantage of our current discounts and start savings today! Members can save on a variety of products and services like Turbo Tax, ID theft protection, home security, travel & entertainment and more through Love My Credit Union Rewards.

Community Perks

In an effort to work closely with nonprofits & small businesses in our community, we want to give them tools and resources with our Community Partner Perks program.
Perks Include:
  • Visibility at your nearest branch (may include a table, business card or flyer distribution) 
  • Online financial education center branded to your organization 
  • Group volunteering opportunities for your employees
  • Social media recognition
  • Visibility on the First Citizens' website
  • Office/Conference room use
  • Financial education classes
  • Marketing support resources
*With First Citizens' approval and schedule availability 

Need some assistance? We’re here to help! Visit your local branch or email Marketing@firstcitizens.org to learn more.

Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money-laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Individual investment grant
Are you applying to school or trying to advance your career but need funding? We want to invest in your future! Learn more about Individual Investment Grants.
Volunteering is cool
Are you looking to give back to your community? Join FCFCU Team Members in their monthly volunteer efforts.