First Citizens Credit Union Mashpee MA | Best Auto Loans & Personal Banking

Introduction

Welcome to First Citizens' in Mashpee, where our commitment to community and member satisfaction is at the heart of everything we do. Established in 1937, we have proudly served our members for over 85 years, making us a trusted partner in financial well-being. Conveniently located at 71 Jobs Fishing Rd, Mashpee, MA 02649, we invite you to discover how we can support your financial journey. With a membership base of 45,634 and total assets exceeding $682 million, First Citizens' offers a wide range of services tailored to meet the diverse needs of our members. Whether you're looking for personal banking solutions like checking and savings accounts or exploring options for auto loans, mortgages, or business banking services, we are here to help. Our dedicated team, led by CEO Christopher Howard and Board President Rev David Lima, works tirelessly to ensure that our members receive personalized service and expert advice. With 130 employees on board, we're not just a credit union; we're your neighbors, ready to assist you with all your financial needs. At First Citizens', we take pride in our financial strength. Our net worth stands at an impressive $131 million, while we maintain total deposits of $99 million and cash on hand amounting to $2.66 million. These figures reflect our stability and ability to serve you better every day. While members can visit us at our branch location, official correspondence should be sent to the same address: 71 JOBS FISHING RD, MASHPEE, MA 2649. Feel free to reach out at 800-642-7515 during our operating hours from Monday through Friday or Saturday mornings for any inquiries. Join us today and experience the difference that comes with being part of a community-focused credit union. Visit our website at firstcitizens.org for more information or stop by our branch to see how we can help you achieve your financial goals!

Branch History & Mission

Community Impact

Over the years, we have fostered strong relationships within the Mashpee community through various outreach programs and partnerships. Our goal is to give back and help improve the lives of those around us. We take pride in being ADA compliant and continuously work towards enhancing accessibility for all our members. As technology advances, so do we. Our digital banking options include online banking, mobile payments, and electronic signatures, ensuring that our members can manage their finances conveniently from anywhere.

Join Us

If you haven't yet experienced the benefits of membership with First Citizens', now is the perfect time! Come visit us at our Mashpee branch or contact us at 800-642-7515 for any inquiries. Discover how we can support your financial journey while making a positive impact in the community you love. Together, let's build a brighter future!

Our Mission

At First Citizens', our mission goes beyond simply providing financial services. We aim to empower our members by offering personalized banking solutions that cater to their unique needs. We believe in supporting not just individual financial growth but also the overall well-being of our community. This commitment drives us to provide a range of services including checking and savings accounts, auto loans, mortgage options, business banking solutions, and more. We strive to ensure that everyone feels welcome at our branch. Our operating hours are convenient: 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. For those on the go, we offer ATM access and drive-thru banking services for quick transactions.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure all members of the community can comfortably visit us. We also offer ample parking for your convenience.

Banking Services

We offer a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're here to help. Enjoy the added convenience of our drive-thru service for quick transactions without leaving your car. Plus, with ATM availability right at our location, accessing cash has never been easier. While you can visit us at our physical address for all your banking needs, if you need to send official correspondence, please use our mailing address at 71 JOBS FISHING RD, MASHPEE, MA 2649. If you have any questions or would like more information about what we offer, don't hesitate to give us a call at 800-642-7515. We look forward to seeing you soon!

Operating Hours

At First Citizens, we value your time. Our doors are open from Monday to Wednesday from 8:30 AM to 4:00 PM, Thursday and Friday from 8:30 AM to 5:00 PM, and Saturday from 8:30 AM to 1:00 PM. Whether you need to manage your accounts during the week or take care of business on the weekend, we've got you covered.

Member Eligibility

At First Citizens', we believe that becoming a member is like joining a 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 worships in the area around 71 Jobs Fishing Rd Mashpee Ma 02649. This means that whether you're a lifelong resident or new to the neighborhood, there's a place for you here. Plus, being a member comes with fantastic benefits like personalized service and access to great loan rates and savings options. Getting started is simple! You can find all the details on eligibility by visiting our website at . We encourage you to check this resource for any updates or specific criteria. If you're ready to open an account or have questions, don't hesitate to reach out at (800) 642-7515. We're excited to welcome you into the First Citizens' family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, our merchant services help you streamline your operations. Imagine being able to process payments quickly and easily, giving you more time to focus on what matters growing your business. From point-of-sale solutions to online payment options, we equip you with tools that enhance customer experiences and boost sales. Located at 71 Jobs Fishing Rd Mashpee Ma 02649, Mashpee, MA, we're here to partner with you on your business journey. Reach out today at (800) 642-7515 to learn more about how we can help your business thrive!

Unlock Your Business Potential

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.

Comprehensive List Of Services

Accessibility at Your Fingertips

Our branch features include basic drive-thru banking for quick deposits, withdrawals, and simple transactions perfect for those busy days when time is of the essence. Additionally, our ATMs allow for hassle-free access to cash and balance checks without stepping inside the branch. At First Citizens', located at 71 Jobs Fishing Rd, Mashpee, MA 02649, we are here for you every day of the week Monday through Friday from 8:30 AM to 5 PM and Saturday from 8:30 AM to 1 PM. Have questions? Reach out at 800-642-7515; we'd love to hear from you!

Business Banking Options

If you own a business, we understand how crucial it is to have the right tools at your disposal. That's why we offer comprehensive business banking services, including merchant services and business loans tailored to support your growth. We are dedicated to helping local businesses thrive in today's competitive environment.

Digital Banking Features

In today's fast-paced world, convenience matters. That's why First Citizens' provides robust online and mobile banking solutions. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, pay bills, and even send money through our person-to-person payment service. Plus, our ATM and cash withdrawal services are available whenever you need them.

Join Us Today!

With so many services designed around your needs, it's time to experience banking made easy with First Citizens'. Visit us online at firstcitizens.org or stop by our branch today! Your financial journey starts here!

Personal Banking Solutions

For individuals, we offer personal banking services tailored to fit your lifestyle. Imagine effortlessly managing your finances with our checking and savings accounts designed for easy access and competitive rates. If you're considering a new car, our auto loans and vehicle financing options can help you get behind the wheel without breaking the bank. For those looking to purchase a home or refinance their existing mortgage, our mortgage loans provide flexible terms to make homeownership achievable. Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation options can give you the relief you need by simplifying payments into one manageable monthly bill. And don't forget about our credit cards with rewards, which allow you to earn benefits while making everyday purchases.

Digital & Online Banking

Key Services to Simplify Your Banking

Our online banking platform allows you to manage your accounts with ease. Whether you want to check balances, pay bills, or transfer funds, everything is just a few clicks away. You can also enjoy the convenience of e-statements, which means you can say goodbye to paper clutter and access your financial documents securely online. For those on the go, our mobile application makes banking even simpler. With features like mobile payments, you can make transactions quickly using your smartphone. Plus, sending money to friends and family is easy with our person-to-person transfer option.

Real-Time Management at Your Fingertips

With our digital banking services, real-time account management is always at your fingertips. Whether you're checking balances or making transfers, everything is user-friendly and designed for a smooth experience. Enjoy the freedom of accessing your accounts whenever you need, without the hassle of traditional banking hours. Join us at First Citizens' today and experience how easy banking can be with our digital solutions!

Security You Can Trust

Security is our top priority at First Citizens'. Our electronic signature authorization ensures that your transactions are safe and verified, giving you peace of mind every time you log in. We use advanced security measures to protect your information so that you can focus on what matters most your finances.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 65,215, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $2,097,586, further indicating our capability to support your financial needs. 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 71 Jobs Fishing Rd Mashpee Ma 02649 or call (800) 642-7515 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports members' financial goals across various sectors with $10,126 in used auto loans and a total of $519,171,539 in loans and leases. 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 Security

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.

Reinvestment for 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 $7,337,974 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Solid Financial Health

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 $1,923 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

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. Whether you need financing for a brand-new model or a reliable used vehicle, we have flexible terms designed just for you.

Business Loans

For business owners in our community, we have outstanding commercial loans totaling $30,697,014 that provide the capital needed to grow and expand your business. These tailored solutions are designed with your unique challenges in mind. At First Citizens, we believe in empowering our members through sound financial products that cater to diverse needs. If you're considering refinancing options or want to learn more about eligibility criteria for any of our loans, please don't hesitate to ask. We invite you to visit us at our Mashpee branch or explore more about our offerings online at First Citizens. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step towards achieving your financial aspirations!

Credit Lines and Personal Loans

In addition to auto and mortgage loans, we also offer personal loans and credit lines tailored to your needs. With total credit lines amounting to $138,806,966, you can secure the funds necessary for various purposes be it home improvements or covering unexpected costs. For those managing day-to-day expenses or looking for financial flexibility, our unsecured credit card loans provide valuable support with a total of $0 currently available. This means there's room for growth as we continually adapt our offerings to better serve you.

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 competitive rates and straightforward processes so that your journey to homeownership is as smooth as possible.

Loan Aggregator

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FIRST CITIZENS' FEDERAL CREDIT UNION