|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Franklin First Federal 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 4, 2026
Franklin First Federal Credit Union's 12 Month Term CDs (CDs) & IRAs rates are at 3.20%, 6 Month Term CDs (CDs) & IRAs rates are at 3.20%, 15 Month Term CDs (CDs) & IRAs rates are at 3.04%, 18 Month Term CDs (CDs) & IRAs rates are at 3.04%, 24 Month Term CDs (CDs) & IRAs rates are at 2.94%. Franklin First Federal Credit Union's savings rates are at 0.05%. Franklin First Federal Credit Union's money market rates are at 0.10%. Franklin First Federal Credit Union's Personal Loan Rates are at 13.00%. MonitorBankRates evaluates the financial stability of Franklin First Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.03%. Rates were last updated on 04/04/2026. Franklin First Federal 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 Franklin First Federal Credit Union? Share your experience about Franklin First Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Franklin First Federal Credit Union. Franklin First Federal Credit Union
57 Newton St 57 Newton St
https://www.franklinfirst.org Greenfield, MA 01301 3113 
Franklin First Federal Credit Union CD Rates
Franklin First Federal Credit Union Savings Rates
Franklin First Federal Credit Union Money Market Rates
Franklin First Federal Credit Union Checking Rates
Franklin First Federal Credit Union Home Equity & HELOC
Franklin First Federal Credit Union Auto Loan Rates
Franklin First Federal Credit Union Credit Card Rates
Franklin First Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Franklin First Federal 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 Franklin First Federal 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 Franklin First Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Franklin First Federal Credit Union
Website
https://www.franklinfirst.org
Address
57 Newton St,
Greenfield, MA 01301 3113
Phone
413-774-6700
Fax
413-774-5014
President
Richard LaPierre
CEO
Michelle Dwyer
Full-Time Employees
17
Part-Time Employees
2
Branch Locations
1
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.03%
Return on Assets (ROA)
0.6631%
Return on Equity (ROE)
7.8165%
Non-Performing Loans Ratio (NPL)
0.75%
Total Assets
84,103,874
Total Amount of Shares and Deposits
76,083,481
Total Shares and Deposits < 1 Year
74,278,697
Total Shares and Deposits 1 3 Years
1,457,438
Total Shares and Deposits > 3 Years
347,346
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,086,497
Total Uninsured Shares and Deposits > $250K (F+J)
2,086,497
Total Insured Shares and Deposits > $250K (item 17 less item K)
73,996,984
Total Interest Expense (Sum of items 6 8)
426,491
Share Certificates
363
Number of Accounts for Share Drafts
4,238
IRA KEOGH Accounts
229
Number of Accounts for Regular Shares
7,608
Non Member Deposits
1
Money Market Shares
742
Net Income (unless the amount is already included in Undivided Earnings)
557,719
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,764,588
Total Liabilities
77,240,958
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Franklin First Federal Credit UnionIs Franklin First Federal Credit Union a safe place to deposit money?Yes, Franklin First Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.0288382285607%, 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 Franklin First Federal Credit Union operate?Franklin First Federal 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 Franklin First Federal Credit Union?Yes, to access services at Franklin First Federal 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, Franklin First Federal 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, Franklin First Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Franklin First Federal Credit Union offer online and mobile banking?Most modern institutions like Franklin First Federal 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.franklinfirst.org. Current Franklin First Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
1st Class Express Credit Union
Dannemora Federal Credit Union
Government Employees Federal Credit Union
Boston Customs Federal Credit Union
Harris County Federal Credit Union
Crouse Hinds Employees Federal Credit Union
University of Kentucky Federal Credit Union
167th TFR Federal Credit Union
Texas Bay Credit Union
Gateway Credit Union
West Texas Credit Union
B Braun Federal Credit Union
Kings Federal Credit Union
New Haven Firefighters Credit Union
USI Federal Credit Union
Barton Plant Employees Federal Credit Union
Polish National Credit Union
True Sky Federal Credit Union
Changing Seasons Federal Credit Union
ACBA Federal Credit Union
Members First Credit Union of NH
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
