Greenfield, MA 01301

Notable Rates APY Vs.Others
Savings 0.05% 1.90% →
1-Year CD 0.65% 1.90% →
2-Year CD 1.00% 1.95% →
5-Year CD 1.51% 2.00% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Credit Union Information

Franklin First is an NCUA insured institution located in Greenfield, MA. It was founded in 1958 and has approximately $63.88 millions in assets.

NCUA Insured Yes
Charter Number # # 12604
Date Established 1958
Assets $63.88 million
Loans $40.24 million
Deposits $57.45 million
Capital $5.46 million

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Franklin County, Massachusetts.

Deposit Rates - April 9, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.15% $500 $24,999 Learn MoreShow Less
Money Market
0.30% $25,000 $49,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.55% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $1 - Learn MoreShow Less
Fixed IRA
0.65% $500 - Learn MoreShow Less

Loan Rates - April 9, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FRANKLIN FIRST

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

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Below are Franklin First branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Franklin First Locations

Financial Details

Franklin First Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Franklin First. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Franklin First U.S. Average
7.47% 5.92

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2019, Franklin First had $427,296 in non-current loans and $0 in owned assets. To cover these potential losses it had $5,458,071 in net worth and $261,852 in loans loss reserves. That gives it a Texas Ratio of 7.47%.

Net Worth
Franklin First U.S. Average
8.54% 13.86%

Franklin First FCU has a net worth of 8.54% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Franklin First

Branches and Savings

What is Franklin First?

A federal credit union, registered with the NCUA under certificate #12604.
Learn more about credit unions here.

Is Franklin First FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Franklin First?

Please see Field of Membership information above for information on who is eligible to join.

What are Franklin First's share account and share certificate rates?

Franklin First's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Franklin First?

Franklin First has total capital of $5.46 million. Full information on Franklin First's financial position is located above.

Who owns Franklin First?

Credit Unions are owned by their members.

Where are Franklin First branches located?

See branch locations nearby.

Are Franklin First ATMs Open 24/7?

Do Franklin First ATMs accept cash deposits?

Can Franklin First customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Franklin First have a mobile app?

Does Franklin First have mobile deposit?

Does Franklin First have quick pay?

How can Franklin First transfer money to other banks or credit unions?

Does Franklin First report to credit bureaus?

Does Franklin First use Chexsystems?

Does Franklin First use Equifax?

What is Franklin First's toll free phone number?

What is Franklin First's ACH Routing Number?

What is Franklin First's SWIFT code?

Where can I find Franklin First's wire transfer form?

What is the Franklin First address for deposits?

What Products Does Franklin First Offer

Does Franklin First offer mortgages?

Compare mortgage rates here.

Does Franklin First offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Franklin First offer auto and RV loans?

Compare auto loan rates here.

Does Franklin First offer student loans or personal loans?

Compare personal loan rates here.

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