Franklin First Credit Union

Greenfield, Massachusetts
Last verified: August 4, 2026
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Verified rate book

Current Franklin First Credit Union rates

50 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

16 offers
Franklin First Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New & Used Car Loans (36 Months)auto_any_36mo5.490% APR5.490%36 mo · anyStandard
New & Used Car Loans (48 Months)auto_any_48mo5.490% APR5.490%48 mo · anyStandard
New & Used Car Loans (60 Months)auto_any_60mo5.740% APR5.740%60 mo · anyStandard
New & Used Car Loans (72 Months (Minimum $20,000))auto_any_72mo5.990% APR5.990%72 mo · anyStandard
New & Used Motorcycle Loans (24 Months)motorcycle_any_24mo7.140% APR7.140%24 mo · anyStandard
24-Month RV Loanrv_any_24mo7.350% APR7.350%24 moStandard
New & Used Motorcycle Loans (36 Months)motorcycle_any_36mo7.640% APR7.640%36 mo · anyStandard
36-Month RV Loanrv_any_36mo7.850% APR7.850%36 moStandard
New & Used Motorcycle Loans (48 Months)motorcycle_any_48mo8.140% APR8.140%48 mo · anyStandard
48-Month RV Loanrv_any_48mo8.350% APR8.350%48 moStandard
New & Used Motorcycle Loans (60 Months)motorcycle_any_60mo8.640% APR8.640%60 mo · anyStandard
60-Month RV Loanrv_any_60mo8.850% APR8.850%60 moStandard
RV Loans (5-7 Years)rv_any_84mo9.150% APR9.150%84 moStandard
RV Loans (>7-10 Years)rv_any_120mo9.400% APR9.400%120 moStandard
New & Used Motorcycle Loans (72 Months)motorcycle_any_72mo9.640% APR9.640%72 mo · anyStandard
RV Loans (>10-15 Years)rv_any_180mo9.650% APR9.650%180 moStandard

HELOC rates

5 offers
Franklin First Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
20-Year HELOC (Variable)heloc_variable5.490% APR5.490%—Standard
Home Equity Fixed Rate Second Mortgage (5 Year)heloc_fixed6.240% APR6.240%—Standard
Home Equity Fixed Rate Second Mortgage (10 Year)heloc_fixed6.490% APR6.490%—Standard
Home Equity Fixed Rate Second Mortgage (15 Year)heloc_fixed6.740% APR6.740%—Standard
Home Equity Fixed Rate Second Mortgage (20 year)heloc_fixed7.240% APR7.240%—Standard

Personal loan rates

10 offers
Franklin First Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Solar Loans (5 Years)personal_unsecured_60mo6.490% APR6.490%60 moStandard
120-Month Share-Secured Loanpersonal_secured_120mo6.500% APR6.500%120 moStandard
Solar Loans (10 Years)personal_unsecured_120mo6.740% APR6.740%120 moStandard
Solar Loans (15 Years)personal_unsecured_180mo6.990% APR6.990%180 moStandard
12-Month Unsecured Personal Loanpersonal_unsecured_12mo13.000% APR13.000%12 moStandard
24-Month Unsecured Personal Loanpersonal_unsecured_24mo13.500% APR13.500%24 moStandard
36-Month Unsecured Personal Loanpersonal_unsecured_36mo14.000% APR14.000%36 moStandard
48-Month Unsecured Personal Loanpersonal_unsecured_48mo15.000% APR15.000%48 moStandard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo15.500% APR15.500%60 moStandard
72-Month Unsecured Personal Loanpersonal_unsecured_72mo16.000% APR16.000%72 moStandard

Credit card rates

2 offers
Franklin First Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Visa Platinum Reward Cardcredit_card_platinum11.000% APR11.000%—Standard
Visa Platinum Variable Rate Cardcredit_card_platinum11.750% APR11.750%—Standard

Savings & CD rates

17 offers
Franklin First Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
IRAira0.10% APY0.10%—Standard
Savings (Share) Accounts (Regular Shares)savings0.10% APY0.10%—Standard
Cash Rewards (Rewards Checking)savings0.25% APY0.25%—Standard
$15 – $2,499.9savings0.25% APY0.25%—Standard
$2,500 – $24,999.99savings0.45% APY0.45%—Standard
Cash Rewards (Rewards Savings)savings0.55% APY0.55%—Standard
$25,000-$49,999.99savings0.75% APY0.75%—Standard
$50,000-$99,999.99savings0.95% APY0.95%—Standard
$100,000 +savings0.95% APY0.95%—Standard
Term Certificates (CDs) & IRAs (48 Month)ira_cd_48mo2.79% APY2.75%48 moStandard
Term Certificates (CDs) & IRAs (60 Month)ira_cd_60mo2.79% APY2.75%60 moStandard
Term Certificates (CDs) & IRAs (24 Month)ira_cd_24mo2.94% APY2.90%24 moStandard
Term Certificates (CDs) & IRAs (36 Month)ira_cd_36mo2.94% APY2.90%36 moStandard
Term Certificates (CDs) & IRAs (18 Month)ira_cd_18mo3.20% APY3.15%18 moStandard
Term Certificates (CDs) & IRAs (6 Month)ira_cd_6mo3.35% APY3.30%6 moStandard
Term Certificates (CDs) & IRAs (12 Month)ira_cd_12mo3.35% APY3.30%12 moStandard
Rewards Checkingsavings4.00% APY4.00%—Standard

Vehicle loans available from 5.49% APR for 36 months. HELOC rates from 5.49% APR. Personal loan rates from 6.49% APR. Credit card rates from 11% APR. Savings and certificate yields up to 4.00% APY.

Source: RateAPI.dev, verified from Franklin First Credit Union's official website

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About Franklin First Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
7.4K
Assets
$88.5M
Founded
1958
Locations reported
4
NCUA charter
12604
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Student scholarships
  • Credit-builder products

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

FreedomGREENFIELD · GREENFIELD · MA · 01301Branch in the same ZIPServiceHinsdale In-Store Branch · Hinsdale · NH · 03451About 13.5 miles away802Brattleboro · Brattleboro · VT · 05301-9058About 14.9 miles awayEastriseBrattleboro · Brattleboro · VT · 05301About 14.9 miles awayMembers 1stMembers 1st Credit Union · Brattleboro · VT · 05301-4427About 14.9 miles awayWorkersOrange Office · Orange · MA · 01364About 15.8 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Franklin First Credit Union

Membership eligibility from Franklin First Credit Union's own published criteria. How we verify this.

Community charter: live/work in Franklin, MA

  • LocationFranklin — MA

Cost to join: About $1.

Verified from Franklin First Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Franklin First Credit Union?

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Frequently Asked Questions

What rates does Franklin First Credit Union offer?

Franklin First Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Franklin First Credit Union rates updated?

RateAPI verifies Franklin First Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Franklin First Credit Union's rate data?

Rate data is collected directly from Franklin First Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Franklin First Credit Union's auto, rv & motorcycle loan rates?

As of August 4, 2026, Franklin First Credit Union offers vehicle loans from 5.49% APR.

What is Franklin First Credit Union's HELOC rate?

As of August 4, 2026, Franklin First Credit Union offers home equity lines of credit from 5.49% APR.

What is Franklin First Credit Union's personal loan rate?

As of August 4, 2026, Franklin First Credit Union offers personal loans from 6.49% APR.

What is Franklin First Credit Union's best CD rate?

As of August 4, 2026, Franklin First Credit Union offers savings and certificate (CD) yields up to 4.00% APY.

Related Rate Data

Compare Franklin First Credit Union's rates against national credit-union benchmarks.

More Massachusetts credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for Franklin First Credit Union
curl "https://api.rateapi.dev/credit-unions/massachusetts/franklin-first" \
  -H "Authorization: Bearer YOUR_API_KEY"
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