Why a Credit Union?

If you're in the market for a new place to hold your deposit accounts, mortgage or loans, you may want to consider joining a credit union in your area vs a bank. Credit union's overall mission is to improve the financial well-being of their members and also serve the communities they live in. Credit unions are also known to provide reasonable rates to their members and provide loans for small businesses that might be denied by larger banks. Banks and credit unions both serve many of the same purposes and offer similar products. Although the product offerings are similar, a credit union may use different terms for its accounts and features than banks. For example, because a credit union’s customers are member-owners, the credit union pays “dividends” instead of “interest.”
If you choose to do your banking with a federally insured credit union, you will also benefit from the credit union equivalent of FDIC insurance. The National Credit Union Administration (NCUA) provides federal insurance on up to $250,000 of qualifying deposits per depositor, per insured credit union, for each account ownership category, in the event of a credit union failure. 
If you like the idea of your banking relationship being with a non-profit organization that supports your community with volunteerism as well as financial support, then a credit union may be the right choice for you!


Who is Eligible?

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)

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 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.

Being a Credit Union Member has its Perks

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!  


 As a member, save big on SimpliSafe, the #1 expert pick for home security. It’s reliable protection for your whole home, with 24/7 professional monitoring and 3.5x faster dispatch. All at fair prices. With no contract.

Plus receive a free home security camera and 2 free months of monitoring service!

*SimpliSafe offer valid only for those who purchase a new SimpliSafe system that includes at least one (1) Base Station, one (1) Keypad and one (1) Additional Sensor. Not valid with any other offers. SimpliSafe Terms of Sale and all other applicable SimpliSafe Terms and Conditions apply

Members can save on a variety of products and services like TurboTax, ID theft protection, home security, travel & entertainment and more through Love My Credit Union Rewards.

Volunteerism and Donation Drives

Another perk of being part of a credit union is being able to help maximize their volunteer efforts within your community. First Citizens' also hosts various donation drives to benefit local non-profit organizations throughout the year. 
To learn more about the organizations our team members volunteer with and how you can contribute, visit our Community Impact page.