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Franklin First

57 Newton Street, Greenfield, MA 01301
NCUA Insured4.3 (53 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1958

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

57 Newton Street

Greenfield, MA 01301

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(413) 774-6700

Service Area

This credit union is located in Greenfield and serves members in the MA area. Currently serving 7,339 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.99%

Used Auto Loan

5.99%

Personal Loan

6.99%

Credit Card APR

11.75%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MA

Lowest rates currently reported by credit unions in MA (NCUA Q4 2025).

Worcester— New Auto Loan

Worcester, MA

1.95%
Beverly Municipal— Used Auto Loan

Beverly, MA

1.99%
Norfolk Community— Personal Loan

Norfolk, MA

3.48%
Methuen— Credit Card APR

Methuen, MA

8.50%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

4.3

53 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Eliza

Eliza

a year ago

I love Franklin First. I have two loans there. Working with them has been very easy. The staff is super personable, and very responsive. They take great care of customers, from whoever answers the phone to the loan officers--you really feel like you're talking to lovely fellow human beings who care.

Linda Goldstein

Linda Goldstein

a year ago

I have been a customer since 2008. I find the tellers helpful and pleasant. The other staff for opening accounts and other tasks are very responsive. I prefer to do my banking in person, though I do use the online banking for paying bills.

Ed W

Ed W

4 months ago

Worst bank in New England. Demanded I open an account to break a 20. 🙄

Angel Rivera

Angel Rivera

6 years ago

I've been a member at Franklin First for a few months now and up till now, all my experiences have been warm and humbling. Great team and definitely a credit union I would recommend to anyone. Especially now that they're helping me build up my credit when no other banks/credit unions would. I hope to stay a member for many years to come. Thank you.

Hew Hart

Hew Hart

a year ago

I switched to Franklin First FCU from Bank of America and couldn't be happier. The high-yield checking account, ATM reimbursements, and friendly & helpful customer service are all a very welcome change from my previous banking experience.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).