Love What Your Money Can Do


Take advantage of the special rate and open your account today!



*Annual Percentage Yield (APY) is available as of 2/15/18. Minimum deposit of $500 is required to open account. Term Certificates do not apply. Penalties may be imposed for early withdrawal. Premium rates not eligible for this special. Funds to open Individual Retirement Account must be transferred from another financial institution. A penalty may be assessed for withdrawals exceeding 50% of the balance or for early withdrawal. Fees could reduce earnings on account. There are no annual maintenance fees on IRA accounts. Share insurance is provided in excess of NCUA federal insurance by MSIC, a Massachusetts-chartered corporation not affiliated with the NCUA or the federal government. This is a limited time offer and may be withdrawn at any time. Rates subject to change at any time. We reserve the right to determine the eligibility of new members and existing members for all promotional offers. These offers cannot be combined with any other current or ongoing offers, promotions, & discounts.


More rates that rock this season!


  • 15 Month Term Certificate at 1.60% APY 1
  • 30 Month Term Certificate at 1.80% APY 2
  • Business Money Market 1.80% for 6 months 3


1. Annual Percentage Yield (APY) is available as of 12/4/17. Minimum deposit of $500 is required to open account. Penalties may be imposed for early withdrawal. Premium rates not eligible for this special. Funds to open Term Certificate must be transferred from another financial institution. This is a limited time offer and may be withdrawn at any time. Rates subject to change at any time.
2. Annual Percentage Yield (APY) is available as of 12/1/17. Minimum deposit of $500 is required to open account. Penalties may be imposed for early withdrawal. Premium rates not eligible for this special. Funds to open Term Certificate must be transferred from another financial institution This is a limited time offer and may be withdrawn at any time. Rates subject to change at any time.
3. Annual percentage yield. Rates effective 11/1/17. Fees could reduce earnings on account. You must deposit $2,500 to open this account. You must maintain a minimum daily balance of $2,500 in the account each day to obtain the disclosed annual percentage yield. You will earn dividends for every day during the period that your account equals or exceeds the minimum daily balance requirement. We may change the dividend rate on your account at any time. Balances $2,499.99 or less will not earn interest. Funds to open money market account must be transferred from another financial institution. After 6 month promotional rate, rate will be equal to the rates of our Elite Choice Money Market Business Savings account. Offers expire 12/30/17. We reserve the right to determine the eligibility of new members and existing members for all promotional offers. These offers cannot be combined with any other current or ongoing offers, promotions, & discounts.



Now accepting 2018 Scholarship Applications!

Scholarship applications now available!


In support of education in our communities, and to supplement the high cost of a college education, we are now accepting applications for the Champion Family Scholarship. First Citizens’ offers three $1000 scholarships, exclusively to High School Seniors who are immediate family members of Champion Checking Account holders. 

First Citizens’ is also proud to announce that once again we will be accepting applications for the $1,000 Barbara Whitehead Silva Scholarship. This scholarship is offered in honor of the dedicated years of service of Mrs. Barbara Silva, former President/CEO, who retired from First Citizens’ after being with the credit union for 45 years. 

To be eligible for these scholarships the applicant or parent must be a member of First Citizens’. The submission deadline for these scholarships is April 1, 2018. 

2018 Scholarship Application

*We now offer education loans through Sallie Mae! For more information click here.



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