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First Citizens' Federal Credit Union Helps Members Achieve Their Financial Goals and Stability

By S. Mathur

Founded in 1937, First Citizens' Federal Credit Union is now one of the leading financial institutions in southeastern Massachusetts and on the Cape. With branches from Taunton and Raynham to the south coast and all the way to Orleans, and newly opened Lending Office in Plymouth it continues to help customers achieve financial stability and security. Patrick Neenan, Vice President of Residential Lending, says that what sets it apart from other financial institutions is the emphasis on helping individuals achieve their financial goals.

This is done through building strong, long-term relationships, he says, which helps in recognizing and supporting individual needs and goals: "We're excited about the variety of unique loan programs and exceptional customer service we offer - customers come first. We analyze every customer's unique situation to arrive at optimal short term and long term financial solutions."

Homeownership is a big financial step, and First Citizens' Federal Credit Union understands exactly where and what kind of loan is needed. The credit union helps with closing costs and down payments, explains Neenan.

"At First Citizens' Federal Credit Union we realize that saving for a down payment is not easy and that quality borrowers deserve an alternative. We offer a number of excellent loan products including a 100% Financing Program with no mortgage insurance required, no limit on annual income and it's not limited to first time homebuyers."

Customers can also look to them for help to upgrade or remodel their homes, he adds: "Once a customer is a homeowner, or if they already own a home and need to make home improvements, First Citizens' offers a 133%CLTV Home Improvement Equity Loan. This Home Improvement Equity Loans up to 33% beyond what the home is currently valued at. We also offer portfolio Construction Rehab loans and also participate in the MassHousing Rehab Loan which requires only 3% down payment."

As of December 2015, First Citizens' Federal Credit Union offers low interest loans for residential solar energy installations, becoming one of the first financial institutions in the state to do so. Membership is open to all those who live, worship, work, regularly conduct business, or attend school in Bristol, Plymouth, Barnstable, Dukes, Nantucket, or Norfolk Counties in the state of Massachusetts. Likewise businesses or other legal entities can become members. All that's needed is to maintain an account balance of one dollar.

In keeping with its history, First Citizens' Federal Credit Union is actively involved with the community. Each year, through the Academic Scholarship Program, fourteen scholarships worth $1000 are awarded to local high school students on the basis of academic excellence, leadership, and community service. The credit union also partners with local museums through its subsidiary, the Cape Cod Museum Trail, to introduce the area's rich cultural and natural heritage to residents and visitors.

For more information about their Mortgage Loan products please contact First Citizens' at 800-642-7515 or visit

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