First Citizens Credit Union New Bedford MA | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to First Citizens', where your financial well-being is our top priority! Located at 468 County St, New Bedford, MA 02740, we have been proudly serving our community since 1937. With a commitment to providing personalized banking solutions, we have grown to support over 45,634 members and manage total assets exceeding $682 million. At First Citizens', we understand that every member's financial journey is unique. Whether you're looking for checking and savings accounts, vehicle financing, or mortgage loans, we offer a wide range of services tailored to meet your needs. Our dedication is reflected in our impressive financial standing boasting total deposits of $99,434,816, a net worth of $131,173,870, and cash in hand amounting to $2,663,599. Led by our CEO Christopher Howard and Board President Rev David Lima, our team of 130 employees works tirelessly to create a welcoming environment for all. We believe in fostering relationships built on trust and transparency. While you can visit us at our branch for all your banking needs, official correspondence should be directed to the same address: 468 COUNTY ST, NEW BEDFORD, MA 2740. We invite you to explore our website at First Citizens for more information about our services or feel free to call us at 800-642-7515. Experience the difference with First Citizens' your trusted partner in financial success!

Branch History & Mission

Our Journey

Since opening our doors more than eight decades ago, First Citizens' has been dedicated to providing exceptional financial services tailored to the unique needs of our members. From humble beginnings, we have steadily expanded our offerings to include personal banking options such as checking and savings accounts, auto loans, mortgage loans, and business banking services. As we have grown, so too has our commitment to ensuring that each member feels valued and supported. Our total assets now stand at an impressive $682 million, which reflects not just our growth but also the trust placed in us by our members. With modern banking conveniences like online and mobile banking available 24/7, we strive to meet the needs of every member in a way that suits their lifestyle.

Our Mission

At the heart of First Citizens' is our mission: to empower individuals and families through accessible financial services while fostering a spirit of community support. We believe that everyone deserves a chance to achieve their financial goals. This commitment goes beyond just providing loans or accounts; it's about building lasting relationships with our members and being there for them every step of the way. Our team works hard to engage in community outreach efforts and partnerships that uplift those around us. Whether it's sponsoring local events or supporting charitable initiatives, we are deeply invested in making a positive impact right here in New Bedford.

Services & Accessibility

We understand that convenience is key for busy lives. That's why we offer drive-thru banking services for quick transactions and ATM access for easy cash withdrawals. Our lobby hours are designed to accommodate your schedule: Monday through Friday from 8:30 AM to 5 PM and Saturday from 8:30 AM to 1 PM. Should you need assistance outside these hours, don't hesitate to call us at 800-642-7515. For those who prefer digital solutions, First Citizens' offers various online services including e-statements and mobile payments that make managing finances simple and efficient. We pride ourselves on being ADA compliant so that all members can comfortably access our services. As we look ahead, we invite you to join the First Citizens' family. Experience firsthand how we can help you achieve your dreams with personalized service tailored just for you. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility and Features

We understand how important accessibility is for our members. Our branch features ADA-compliant entrances and ramps to ensure everyone can enjoy our services without hassle. Plus, there's ample parking available nearby, so you won't have to worry about finding a spot when you arrive.

Operating Hours

At First Citizens', we aim to accommodate your busy schedule. Our lobby hours are Monday through Wednesday from 8:30 AM to 4:00 PM and Thursday through Friday from 8:30 AM to 5:00 PM. We also welcome you on Saturdays from 8:30 AM to 1:00 PM. Our friendly staff is ready to assist you during these times!

Services Offered

When you visit us, you'll find a variety of services designed with your needs in mind. From personal banking options like checking and savings accounts to auto loans and mortgages, we're here to help you achieve your financial goals. If you're looking for quick access to cash, we have an ATM on-site as well as drive-thru banking for simple transactions such as deposits and withdrawals. If you have any questions or need assistance, feel free to give us a call at 800-642-7515. We look forward to welcoming you into our community at First Citizens'. Come see us today!

Member Eligibility

At First Citizens', we believe that becoming a member is like stepping into a welcoming community where your financial goals are our priority. If you're looking to join us, you'll find that eligibility is straightforward and friendly. Generally, membership is open to anyone who lives, works, or worships in the New Bedford area, making it easy for local residents to access our services. We strive to offer advantages like lower loan rates and personalized service that truly make a difference in your financial journey. To get started on your membership, just give us a call at (800) 642-7515 or visit us at 468 County St New Bedford Ma 02740. For more detailed information about the specific eligibility criteria and how to become a member, check out our website at . We're here to help you every step of the way!

Business Banking & Commercial Services

Practical Merchant Services

Imagine running your business smoothly with reliable merchant services that simplify transactions. At First Citizens', we offer solutions that make payment processing straightforward, ensuring you can focus on what matters most growing your business. Our team is here to help you navigate the best options tailored to your operational needs. Visit us at 468 County St New Bedford Ma 02740, New Bedford, MA 02740, or give us a call at (800) 642-7515 to discover how our business banking services can support your goals today!

Tailored Loan Options for Growth

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

ATM and Drive-Thru Services

For those times when you need quick access to cash or wish to handle transactions without leaving your vehicle, we provide both ATM access and basic drive-thru banking services. This means you can perform deposits, withdrawals, and other simple transactions conveniently.

Business Solutions That Work for You

We understand that businesses require unique financial support. Our business banking services include merchant services and various types of business loans, ensuring your enterprise has the resources needed to thrive. Whether you're starting out or expanding an existing business, we're here to support your journey.

Digital Convenience at Your Fingertips

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features. Access your accounts from anywhere with ease using our user-friendly mobile app, which includes options for mobile payments and person-to-person transfers. With these digital tools, managing your finances has never been more straightforward.

Personal Banking Made Easy

Managing your finances can be simple with our personal banking services. We offer checking and savings accounts that suit different lifestyles and goals. If you're planning to buy a car, our auto loans and vehicle financing options can help you get behind the wheel without stretching your budget. For those considering homeownership, our mortgage loans and refinancing services make it easier than ever to secure your dream home. For unexpected expenses or big purchases, our personal loans and debt consolidation options provide flexible solutions tailored just for you. Plus, enjoy the benefits of our credit cards with rewards, giving you more reasons to spend wisely.

We're Here for You

At First Citizens', we believe in fostering relationships built on trust and community involvement. Our dedicated staff is ready to assist you with any questions or concerns. If you're interested in learning more about how we can help you achieve your financial goals, please don't hesitate to reach out by calling us at 800-642-7515. Explore all that we have to offer at First Citizens. Visit us today to see how we can support your financial journey!

Digital & Online Banking

E-Statements and Mobile Features

Say goodbye to paper clutter with our e-statements! You can view and download your account statements anytime, making it easy to keep track of your finances while being environmentally friendly. For those who prefer banking on their mobile devices, our mobile application offers all the features you need right at your fingertips. You can even make mobile payments quickly and securely perfect for those last-minute purchases.

Easy Transfers and Real-Time Management

Need to send money to a friend? Our person-to-person transfer service makes sending cash a breeze. Just a few taps on your phone or clicks on your computer are all it takes! With real-time account management tools, you'll always know where your money is going. This accessibility ensures that you stay in control of your finances without the hassle of long lines or waiting for bank hours. At First Citizens', we're committed to making your banking experience as smooth as possible. Explore our digital banking options today and see how easy managing your money can be!

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

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 (Funds available for lending and investments): $2,097,586. 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 468 County St New Bedford Ma 02740 or call (800) 642-7515 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $7,337,974 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.

Secure Savings

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.

Solid Foundation

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. We provide financing options for both new and used vehicles to fit any budget.

Business Loans

For business owners, our outstanding commercial loans totaling $30,697,014 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, and we're here to support your journey. If you're considering refinancing or would like to learn more about eligibility options for any of our loan products, please feel free to reach out. Our team is ready to assist you with the information you need. We take pride in delivering exceptional service and support as you navigate your borrowing needs. For more details about our loan offerings or to speak with one of our representatives, please call us at 800-642-7515. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Discover how First Citizens can help you finance your next adventure!

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 offer competitive rates and flexible terms to ensure you find the perfect fit for your financial situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans currently helping members manage their finances effectively. This option is great for those looking to consolidate debt or cover unexpected expenses without using collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in the comparison process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This type of feedback underscores the effectiveness and reliability of the platform. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced 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 using verified data means that users can trust they are receiving accurate information when comparing loans. LendMesh prioritizes transparency and fairness in all its offerings.

FIRST CITIZENS' FEDERAL CREDIT UNION