First Citizens Credit Union Falmouth MA | Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to First Citizens' in Falmouth, your trusted partner for all your financial needs since 1937. Located at 352 Main St, Falmouth, MA 02540, our branch has been committed to serving the local community with dedication and integrity. With a proud membership of 45,634, we understand the importance of personalized banking and strive to create lasting relationships with our members. At First Citizens', we are more than just a credit union; we are a cornerstone of support for our members, offering an array of services including personal banking, auto loans, mortgage solutions, and business banking options. Our total assets stand strong at $682,126,810, with total deposits reaching $99,434,816. This solid foundation allows us to provide competitive loan offerings totaling 18,131 loans and leases to meet the diverse needs of our members. While you can visit us at our Falmouth location for all your banking needs, please note that any official correspondence should be directed to our mailing address: 352 MAIN ST, FALMOUTH, MA 2540. Our friendly team is here to assist you during our operating hours: Monday to Wednesday from 8:30 AM to 4 PM, Thursday and Friday from 8:30 AM to 5 PM, and Saturday from 8:30 AM to 1 PM. Under the leadership of CEO Christopher Howard and Board President Rev David Lima, we continually aim for excellence in service delivery. With a dedicated workforce of 130 employees, we ensure that every member's experience is positive and fulfilling. We invite you to explore what First Citizens' can do for you. Whether you're looking for financial advice or need assistance with your accounts, don't hesitate to reach out by calling us at 800-642-7515 or visiting our website at firstcitizens.org. Your financial journey starts here!

Branch History & Mission

Community Focus

First Citizens' is not just about numbers; it's about people. We believe in giving back to the community that supports us. Our outreach initiatives focus on education, financial literacy programs, and partnerships with local organizations to help those in need. By working together with our neighbors, we aim to foster a strong sense of community spirit. As we continue to grow and adapt to changing times, we remain committed to maintaining high standards of service while ensuring compliance with ADA guidelines for accessibility. Our dedicated staff is always ready to assist you with any inquiries you may have. If you're looking for a credit union that truly cares about its members and community, look no further than First Citizens'. We invite you to join us today experience the difference that comes from being part of an organization where your financial well-being is our top priority. For more information or to reach out directly, give us a call at 800-642-7515 or visit us online at First Citizens. Together, let's build a brighter financial future!

Our Mission

At First Citizens', our mission is clear: to empower our members through excellent financial services while nurturing the community we serve. We strive to create lasting relationships built on trust and transparency. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, we are here to support your journey toward financial success. We understand that in today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options alongside traditional services. Members can enjoy easy access to their accounts anytime, anywhere, whether through our user-friendly website or mobile application. Additionally, our ATM availability and drive-thru banking make transactions simple and efficient.

Branch Location & Accessibility

Accessibility Features

At First Citizens, we prioritize accessibility for all our members. Our branch is fully compliant with ADA standards, ensuring that everyone can easily navigate our space. We have ample parking available and features like ramps to help those who may need additional support. If you prefer the convenience of banking from your vehicle, you can take advantage of our drive-thru service for quick deposits, withdrawals, and other simple transactions.

Operating Hours

We understand that your time is valuable. That's why our lobby hours are designed to fit into your busy schedule. Visit us Monday through Wednesday from 8:30 AM to 4 PM, and Thursday through Friday until 5 PM. We also welcome you on Saturdays from 8:30 AM to 1 PM. Feel free to give us a call at 800-642-7515 if you have any questions or need assistance.

Services Offered

First Citizens is here to cater to all your banking needs! From personal checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards, we have a variety of services tailored just for you. Our ATM is available for easy cash withdrawals and balance checks whenever you need it. While members can visit us at 352 Main St, official correspondence should be sent to the same address listed for mailing: 352 MAIN ST, FALMOUTH, MA 2540. We invite you to stop by and see how we can support your financial journey. The team at First Citizens is ready to assist you with a smile!

Member Eligibility

At First Citizens', we believe that becoming a member is like joining a caring family, where your financial well-being is our top priority. If you're looking to become part of our community, you'll be pleased to know that membership is open to anyone who lives, works, or attends school in the area. It's as simple as that! By choosing First Citizens', located at 352 Main St Falmouth Ma 02540, you gain access to personalized banking services tailored to meet your needs, including competitive loan rates and friendly customer support. To start your journey with us, check out the detailed eligibility criteria. We've made the process easy so that you can focus on what matters most your financial goals. For any questions or to get assistance, feel free to call us at (800) 642-7515. We're excited to welcome you into our community!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $102 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $12 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $30,697,014, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer a range of merchant services designed to streamline your operations. Imagine a local café using our payment processing solutions to serve customers efficiently accepting payments quickly means happier customers and smoother transactions. Whether you're running a retail store or a service-based business, our tools are here to make everyday tasks easier so you can focus on what truly matters growing your business. Visit us at 352 Main St Falmouth Ma 02540 in Falmouth, MA, or give us a call at (800) 642-7515 to learn more about how we can support your business banking needs.

Comprehensive List Of Services

Accessibility at Your Fingertips

Our branch in Falmouth is equipped with a drive-thru service for quick transactions like deposits and withdrawals without leaving your car. Plus, with an ATM available right at our location, getting cash when you need it is simple and efficient.

Business Banking Services

For our business members, we provide essential services like merchant services and business loans to help your business thrive. We understand that running a business comes with its own set of challenges, so we're here to support you every step of the way.

Contact Us Today!

We invite you to visit us at 352 Main St, Falmouth, MA 02540, or give us a call at 800-642-7515 during our operating hours: Monday through Wednesday from 8:30 AM to 4 PM, Thursday and Friday from 8:30 AM to 5 PM, and Saturday from 8:30 AM to 1 PM. At First Citizens', we're committed to providing personalized service tailored just for you. Join us today and discover how we can support your financial journey!

Credit Cards and Rewards

To enhance your purchasing power, we offer credit cards with rewards that let you earn points on everyday purchases. Whether you're planning a trip or just want to enjoy cash back on groceries, our credit card options are designed to fit your lifestyle.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms that allow you to manage your accounts from anywhere at any time. With features like ATM access for cash withdrawals, balance checks, and even person-to-person payments, banking has never been easier.

Personal Banking Solutions

Our personal banking options are designed with you in mind. We offer checking and savings accounts that help you manage your money effectively. Need to finance a vehicle? Our auto loans and vehicle financing solutions make it easy to get behind the wheel without breaking the bank. If you're considering buying a home, our mortgage loans and refinancing options provide flexible terms and competitive rates. For those moments when unexpected expenses arise, our personal loans and debt consolidation services can help ease your financial burden.

Digital & Online Banking

E-Statements and Mobile Features

Say goodbye to paper statements! We provide e-statements that let you view your account activity digitally, saving trees and keeping your information secure. You can easily access these statements whenever you need them. For those who prefer banking on the go, our mobile application makes it easy to manage your accounts right from your smartphone. Enjoy features like mobile payments that allow you to make purchases with ease and confidence. And if you need to send money to friends or family quickly, our person-to-person transfer feature is just what you need.

Security and Support

We prioritize your security. Our online banking platform uses top-notch encryption technology to keep your information safe from prying eyes. You can rest assured knowing that your personal data is protected while you enjoy the convenience of digital banking. Whether you're at home or out and about, First Citizens' is here for you with accessible and reliable banking solutions. Join us today and experience how easy it is to manage your finances with our digital tools!

Financial Strength

Commitment to Growth

With $116,166,707 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment extends to providing support for your financial goals; with $10,126 in used auto loans and $519,171,539 in total loans and leases, our lending capacity supports various sectors. Our $1,331,171 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 129 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member Savings and Investments

Members' savings are secured through $77,121,977 in share certificates and $57,319,978 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Financial Position

With a net worth of $131,173,870, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 19.23% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Partnership

Net Shares (Funds available for lending and investments): $2,097,586. Total Share and Deposit Accounts: 65,215, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Citizens' is your trusted partner. Visit us at 352 Main St Falmouth Ma 02540 or call (800) 642-7515 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $122,012,909 in used vehicle loans and $58,125,128 in new vehicle loans already helping members get on the road. We provide both new and used vehicle financing options tailored to fit your budget. Plus, if you're considering refinancing your current auto loan, we can help you explore eligibility options that may save you money.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans totaling $30,697,014 provide the capital needed to expand operations or invest in new projects. We cater to both existing businesses and startups looking for financial support. At First Citizens, we take pride in our ability to serve our community effectively from our location at 352 Main St, Falmouth, MA 02540. You can reach us at 800-642-7515 during our operating hours: Monday-Wednesday from 8:30 AM to 4 PM and Thursday-Friday from 8:30 AM to 5 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how our loan products can work for you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $42,372,777, make buying or refinancing simple. We aim to provide a straightforward process that gets you into your new home without unnecessary complications. If you're already a homeowner looking for refinancing options, we're here to guide you through the process.

Unsecured Credit Card Loans

Managing everyday expenses? We also offer flexible terms on unsecured credit card loans. Although our total for these loans currently stands at $0, we can assist you with alternatives that might suit your financial needs better.

Loan Aggregator

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Ensuring Accurate Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to transparency means users receive fair offers without hidden fees or misleading terms.

FIRST CITIZENS' FEDERAL CREDIT UNION - Falmouth, MA

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