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 Fall River Municipal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Fall River Municipal Credit Union's 9 Month CD Special rates are at 3.75%. MonitorBankRates evaluates the financial stability of Fall River Municipal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.29%. Rates were last updated on 04/19/2026. Fall River Municipal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Fall River Municipal Credit Union? Share your experience about Fall River Municipal Credit Union by leaving a review below, or read customer reviews before you decide to use Fall River Municipal Credit Union. Fall River Municipal Credit Union
Main Office 333 Milliken Blvd
https://www.frmcu.com Fall River, MA 02721 
Fall River Municipal Credit Union CD Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Fall River Municipal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Fall River Municipal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Fall River Municipal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Fall River Municipal Credit Union
Website
https://www.frmcu.com
Address
333 Milliken Blvd,
Fall River, MA 02721
Phone
508-678-9028
Fax
508-235-2496
President
Carl Garcia
CEO
Matthew Schondek
Full-Time Employees
44
Part-Time Employees
5
Branch Locations
3
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.29%
Return on Assets (ROA)
0.0644%
Return on Equity (ROE)
0.6641%
Non-Performing Loans Ratio (NPL)
0.37%
Total Assets
305,257,954
Total Amount of Shares and Deposits
224,186,420
Total Shares and Deposits < 1 Year
221,806,217
Total Shares and Deposits 1 3 Years
2,148,386
Total Shares and Deposits > 3 Years
231,817
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
17,848,007
Total Uninsured Shares and Deposits > $250K (F+J)
17,848,007
Total Insured Shares and Deposits > $250K (item 17 less item K)
206,338,413
Total Interest Expense (Sum of items 6 8)
4,846,685
Share Certificates
1,699
Number of Accounts for Share Drafts
5,838
IRA KEOGH Accounts
379
Number of Accounts for Regular Shares
16,102
All other shares
586
Money Market Shares
241
Net Income (unless the amount is already included in Undivided Earnings)
196,543
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,098,963
Total Liabilities
282,062,955
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Fall River Municipal Credit UnionIs Fall River Municipal Credit Union a safe place to deposit money?Yes, Fall River Municipal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.2948416119647%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Fall River Municipal Credit Union operate?Fall River Municipal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Fall River Municipal Credit Union?Yes, to access services at Fall River Municipal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Fall River Municipal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Fall River Municipal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Fall River Municipal Credit Union offer online and mobile banking?Most modern institutions like Fall River Municipal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.frmcu.com. Compare to Other Credit Unions
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