2. Franklin First Federal Credit Union

Franklin First Federal Credit Union


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 66th largest credit union in the state of Massachusetts. It is also the 2,076th largest credit union in the nation. It was established in 1958 and as of September of 2019, it had grown to 15 employees and 7,109 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
B

Data as of Q3 2019

Learn why bank health matters
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 Chartered1958
Employees15
Primary Regulator
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD7.88%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$63.9MM$62.6MM
LoansQ3 2019vs Q3 2018$40.2MM$38.4MM
DepositsQ3 2019vs Q3 2018$57.5MM$56.3MM
Equity CapitalQ3 2019vs Q3 2018$5.4MM$5.0MM
Loan Loss AllowanceQ3 2019vs Q3 2018$262.00K$241.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$250.00K$308.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*-$25kKasasa Saver
OTHER TIERS: 0.35% → $25k+
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

APYMINMAXACCOUNT NAMEVIEW 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 Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*-$10kKasasa Cash
OTHER TIERS: 0.45% → $10k+

Franklin First Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.97%$500-60 Month Term Share Certificate
1.86%$500-48 Month Term Share Certificate
1.76%$500-36 Month Term Share Certificate
1.46%$500-24 Month Term Share Certificate
1.26%$500-18 Month Term Share Certificate
1.11%$500-15 Month Term Share Certificate
1.00%$500-12 Month Term Share Certificate
0.85%$500-6 Month Term Share Certificate

Franklin First Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.97%$500-60 Month IRA Certificate
1.86%$500-48 Month IRA Certificate
1.76%$500-36 Month IRA Certificate
1.46%$500-24 Month IRA Certificate
1.26%$500-18 Month IRA Certificate
1.11%$500-15 Month IRA Certificate
1.00%$500-12 Month IRA Certificate
0.85%$500-6 Month IRA Certificate
Locations


Franklin First Federal Credit Union Locations
Branch Office57 Newton StGreenfield, MA 01301-3113

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