Franklin First Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.79%	5-year CD	2.27% - National Average
1.16%	1-year CD	1.37% - National Average
0.05%	Savings	2.20% - Barclays Online Savings Account

View all Franklin First Federal Credit Union rates »

Overview / Commentary

www.franklinfirst.org

413-774-6700

57 Newton St
Greenfield, MA 01301-3113

Franklin First Federal Credit Union is headquartered in Greenfield and is the 67^th largest credit union in the state of Massachusetts. It is also the 2,081^st largest credit union in the nation. It was established in 1958 and as of December of 2018, it had grown to 15 employees and 6,965 members at 1 location. Franklin First Federal Credit Union's money market rates are 36% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

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

Data as of Q4 2018

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Franklin First Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	12604
Year Chartered	1958
Employees	15
Primary Regulator

Profit Margin
Return on Assets - YTD	0.85%
Return on Equity - YTD	10.39%
Annual Interest Income	$2.4MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$62.3MM$60.9MM
Loans	Q4 2018vs Q4 2017	$39.4MM$35.2MM
Deposits	Q4 2018vs Q4 2017	$55.0MM$55.4MM
Equity Capital	Q4 2018vs Q4 2017	$5.1MM$4.6MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$259.00K$276.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$243.00K$284.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Franklin First Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	-	-	Vacation Club
0.10%	-	-	Kids Club
0.10%	-	-	Christmas Club
0.10%	-	-	IRA Share Account
0.10%	-	-	Pet Care Club
0.05%	-	-	Regular Share Account

Franklin First Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%^*	$75k^*	-	Money Market Account
OTHER TIERS: 0.05% → $25 - $500 \| 0.22% → $500 - $25k \| 0.40% → $25k - $50k \| 0.50% → $50k - $75k

Franklin First Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.79%	$500	-	60 Month Term Share Certificate
2.53%	$500	-	48 Month Term Share Certificate
2.27%	$500	-	36 Month Term Share Certificate
2.02%	$500	-	24 Month Term Share Certificate
1.51%	$500	-	18 Month Term Share Certificate
1.26%	$500	-	15 Month Term Share Certificate
1.16%	$500	-	12 Month Term Share Certificate
1.00%	$500	-	6 Month Term Share Certificate

Franklin First Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.79%	$500	-	60 Month IRA Certificate
2.53%	$500	-	48 Month IRA Certificate
2.27%	$500	-	36 Month IRA Certificate
2.02%	$500	-	24 Month IRA Certificate
1.51%	$500	-	18 Month IRA Certificate
1.26%	$500	-	15 Month IRA Certificate
1.16%	$500	-	12 Month IRA Certificate
1.00%	$500	-	6 Month IRA Certificate

Locations

Franklin First Federal Credit Union Locations
Branch Office	57 Newton St	Greenfield, MA 01301-3113

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