First Citizens Credit Union New Bedford MA | Best Auto Loans & Business Banking

Introduction

Welcome to First Citizens', your trusted partner in financial well-being, located at 1341 Cove Rd, New Bedford, MA 02744. Established in 1937, our credit union has been a cornerstone of the community for decades, helping over 45,634 members achieve their financial goals. With total assets exceeding $682 million and deposits amounting to $99 million, we pride ourselves on offering a secure and supportive environment for your banking needs. At First Citizens', we understand that every member is unique. That's why we provide a wide range of services tailored to fit your lifestyle from personal banking solutions like checking and savings accounts to auto loans and mortgages. Our commitment goes beyond just numbers; it's about building relationships with our members and ensuring they receive the best possible service. Led by our dedicated CEO, Christopher Howard, and Board President, Rev David Lima, our team of 130 employees is here to assist you every step of the way. Whether you need help navigating loans or managing your savings, we are just a phone call away at 800-642-7515. While members can visit us at our branch location, official correspondence should be sent to 1341 COVE RD, NEW BEDFORD, MA 2744. We invite you to explore our website at www.firstcitizens.org for more information about our offerings or simply stop by during our convenient hours. Join us today and experience the difference that comes from being part of a community-focused credit union!

Branch History & Mission

At First Citizens', we proudly celebrate a rich legacy that began in 1937 in New Bedford, MA. Since our inception, we have been dedicated to fostering financial well-being for our community members. Over the years, we have grown from humble beginnings to a thriving credit union with over 45,000 members and total assets exceeding $682 million. Our branch is located at 1341 Cove Rd, a convenient spot that allows us to serve our community effectively while being close to local landmarks. Our mission is straightforward yet powerful: to provide exceptional financial services while supporting our community's growth and prosperity. We believe in empowering individuals and families through accessible banking solutions, whether it's personal banking, auto loans, or mortgage refinancing. Our commitment extends beyond just finances; we actively engage in community outreach initiatives and partnerships that uplift those around us. As we've evolved, so have our services. Today, we offer modern conveniences like online banking and mobile payments alongside traditional banking methods. We are proud to maintain ADA compliance and ensure our facilities are accessible for all members. Our operating hours are designed with your busy schedule in mind Monday through Friday from 8:30 AM to 5 PM and Saturdays until 1 PM. While members can visit us at 1341 Cove Rd for all their banking needs, official correspondence should be sent to our mailing address: 1341 COVE RD, NEW BEDFORD, MA 2744. We also understand the importance of convenience in today's fast-paced world. That's why we offer ATM access and drive-thru banking services for quick transactions without sacrificing quality service. Our team of dedicated staff is here to assist you every step of the way. Join us at First Citizens' and experience a credit union where you're not just another member but part of a community focused on helping you achieve your financial goals. Whether you're looking for personal loans or business banking solutions, we're here to support you every step of the way. Reach out today at 800-642-7515 or visit us online at First Citizens. Your journey towards financial empowerment starts here!

Branch Location & Accessibility

Welcome to First Citizens' branch at 1341 Cove Rd, New Bedford, MA 02744! Our location is designed with your convenience in mind, nestled in a vibrant community close to key landmarks like the beautiful New Bedford Harbor. Whether you're running errands or enjoying a day out, you'll find it easy to stop by and take care of your banking needs. At First Citizens, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities and convenient parking options, ensuring that everyone can easily access our services. Plus, if you prefer to bank from the comfort of your car, our drive-thru service is ready to assist with deposits, withdrawals, and simple transactions. We're here for you during the week! Our lobby hours are Monday through Wednesday from 8:30 AM to 4 PM, and Thursday through Friday from 8:30 AM to 5 PM. On Saturdays, we're open from 8:30 AM to 1 PM. You can always reach us at 800-642-7515 if you have questions or need assistance. For those who enjoy the convenience of modern banking, we offer ATM access right here at our branch as well as online and mobile banking services. With First Citizens, managing your finances has never been easier! While members can visit us at 1341 Cove Rd, official correspondence should be sent to the same address. We invite you to explore everything we have to offer and look forward to welcoming you soon! Come by and see how First Citizens can help you achieve your financial goals today!

Member Eligibility

Joining the First Citizens community means becoming part of a welcoming family that supports your financial journey. If you're curious about how to become a member, you'll be pleased to know that eligibility is designed to be inclusive and straightforward. Generally, those who live, work, worship, or attend school in the New Bedford area can apply for membership. This means you're likely just a step away from enjoying the many benefits we offer, like competitive loan rates and personalized service. If you'd like to dive deeper into the specifics of our eligibility criteria, check out our detailed information at this link. Once you're ready to take the next step, opening an account at First Citizens is easy! You can visit us at our branch located at 1341 Cove Rd, New Bedford, MA 02744, or give us a call at 800-642-7515 for assistance. Our friendly team is here to guide you through every step of the process. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Business 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

Imagine a busy weekend at your café where every second counts. With our merchant services, you can accept payments seamlessly, ensuring that customers enjoy their experience without delays. From credit card processing to online payment solutions, we provide tools that help you manage your transactions efficiently, allowing you to focus on what you do best running your business. Located at 1341 Cove Rd New Bedford Ma 02744, New Bedford, MA, we invite you to explore how First Citizens' can empower your business journey. For more information or to get started, give us a call at (800) 642-7515.

Comprehensive List Of Services

ATM & Drive-Thru Services

For quick transactions, our ATM services allow easy cash withdrawals and balance checks without the wait. And if you prefer face-to-face interaction but want to save time, our basic drive-thru banking offers deposits, withdrawals, and simple transactions quickly and efficiently. We invite you to visit us at First Citizens' in New Bedford or give us a call at 800-642-7515. Our friendly staff is here to assist you in choosing the right financial products that fit your lifestyle. Explore all the ways we can serve you today!

Business Banking

For small businesses, we provide essential banking solutions like merchant services and business loans to help you thrive. We know how challenging it can be to manage cash flow, so our team is here to guide you through your financing options.

Digital Convenience

In today's fast-paced world, convenience matters more than ever. That's why we offer robust online and mobile banking services that let you bank anytime, anywhere. With features like mobile payments, person-to-person transfers, and e-statements, managing your money has never been easier. You can check balances on the go or make deposits without stepping foot in the branch.

Personal Banking

Our personal banking services are tailored to help you manage your finances with ease. Whether you are looking for checking and savings accounts, or need assistance with auto loans and vehicle financing, we've got you covered. Imagine the thrill of driving off in your new car, knowing that First Citizens' helped make it possible with flexible auto loan options. We also offer mortgage loans and refinancing solutions for those looking to purchase a new home or lower their existing mortgage payments. If you're dealing with debt, our personal loans and debt consolidation options can simplify your financial situation. Plus, our credit cards come with rewards that give back every time you use them perfect for everyday purchases or special treats.

Digital & Online Banking

Secure and Convenient Payment Options

When it comes to making payments, we've got you covered. Our mobile payments feature allows you to make purchases quickly and safely using just your phone. No more fumbling for cash or cards just tap and go! At First Citizens', we prioritize security as much as convenience. You can trust that your information is safe with us while enjoying the benefits of managing your accounts digitally. In summary, our digital and online banking services empower you to take control of your finances anytime, anywhere. Experience the convenience today by visiting https://www.firstcitizens.org/ !

Smart Features for Everyday Banking

We offer a range of features designed with you in mind. If you're looking for an efficient way to manage your documents, our electronic signature authorization makes it quick and simple to sign important paperwork without any hassle. Plus, with e-statements available, you can say goodbye to paper clutter while keeping track of your financial history securely online. Need to send money to a friend? Our person-to-person transfer feature makes it straightforward and fast. Just a few taps on your mobile device, and you're done! Speaking of mobile devices, our mobile application is designed for ease of use, giving you access to all these great features right in the palm of your hand.

User-Friendly Online Services

With our online banking platform, accessible at https://www.firstcitizens.org/ , you can check your account balances, pay bills, and transfer funds all from the comfort of your home or on the go. Enjoy 24/7 access to your accounts, allowing you to manage your finances whenever it suits you. Whether it's day or night, our online banking services are always available to support your needs.

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 your financial goals with $10,126 in used auto loans and $519,171,539 in total loans and leases.

Growing Trust

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. This reinforces our ability to meet your needs now and into the future. 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 1341 Cove Rd New Bedford Ma 02744 or call (800) 642-7515 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member-Focused 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. This commitment is evident as we focus our resources on benefiting you through better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by our $7,337,974, which enables 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.

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. We provide flexible terms that make it easier for you to drive away with confidence.

Credit Lines and Personal Loans

For those seeking additional flexibility in their finances, we also offer total credit lines amounting to $138,806,966. This can help you manage expenses more effectively while giving you peace of mind knowing you have access to funds when needed.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $42,372,777, making buying or refinancing simple and straightforward. We believe in providing support throughout the entire process so you can focus on what matters most.

Unsecured Credit Card Loans

We understand that managing day-to-day expenses can sometimes be challenging. That's why we offer flexible terms on unsecured credit card loans as well. Although we currently have no outstanding unsecured credit card loans, our team is ready to assist you with any questions regarding eligibility and future offerings. For business owners looking to expand or invest in growth opportunities, our outstanding commercial loans total $30,697,014, providing the capital needed to elevate your business. If you're interested in refinancing options or want to know more about eligibility criteria for any of our loan products, feel free to reach out at 800-642-7515. Our commitment is not only to provide financial solutions but also to ensure our members feel supported every step of the way. 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 your options today and see how First Citizens can help you achieve your financial dreams!

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FIRST CITIZENS' FEDERAL CREDIT UNION