When you’re looking for excellent rates on loan products, look no further than Franklin First!

Rates effective February 21, 2024


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Personal Loans

LoanAPR* as low asMax TermMax Amount
Personal Loan13.25%12 Months$10,000
Personal Loan13.75%24 Months$10,000
Personal Loan14.25%36 Months$10,000
Personal Loan15.25%48 Months$10,000
Personal Loan15.75%60 Months$10,000
Personal Loan16.25%72 Months$10,000

*Annual Percentage Rate. 

VISA Cards

LoanAPR* as low asMax TermMax Amount
Visa Platinum Variable Rate Card13.50%** (Prime*** + 5.0%)None$8,000
VISA Platinum Reward Card11.25%**None$15,000


*Annual Percentage Rate
**Rate may be increased after consummation
***APR is variable and tied to the current Wall Street Journal Prime rate of  8.50%

We finance new and used cars, trucks, and SUV’s with some of the best rates around and no gimmicks. If you already have an auto loan through another lender, but our rate looks better, save money by refinancing with us.  View the NADA Guides for values.

New & Used Car Loans**

APR* as low asMax Term
7.49%36 Months
7.49%48 Months
7.74%60 Months
7.99%72 Months (Minimum $20,000)


*Annual Percentage Rate. Rates quoted are based on our "A" credit grade. Your actual rate may be higher depending on your individual credit score and qualifications. Offer of credit subject to credit approval. Rates subject to change at any time.
**APR is variable and tied to the current Wall Street Journal Prime rate of 8.50%

***Maximum amount $75,000

New & Used Motorcycle Loans**

APR* as low asMax Term
6.89%24 Months
7.39%36 Months
7.89%48 Months
8.39%60 Months
9.39%72 Months


**APR is variable and tied to the current Wall Street Journal Prime rate of 8.50%

Home Improvement Loans

LoanAPR* as low asMax TermMax Amount
Home Improvement Line of Credit Variable RatePrime** + 1%
9.50%
7 years$30,000
Home Improvement Fixed RatePrime** + 4%
12.50%
7 years$30,000
Energy LoanPrime** + 3%
11.50%
7 years$30,000
Heat Loan0.00%7 years

$50,000

Fuel Loan

Prime** + .25%
8.75%


$2,000


*Annual Percentage Rate. 
**APR is variable and tied to the current Wall Street Journal Prime rate of 8.50%
***Rate may be increased after consummation

Shared/Certificate Secured Loans

LoanAPR*Max TermMax Amount
Share Secured Loan6.50%10 YearsBalance of Account
Certificate Secured Loan4% Above Certificate Rate10 YearsBalance of Account

*Annual Percentage Rate. 
**APR is variable and tied to the current Wall Street Journal Prime rate of 8.50%

Education Loans

Loan
Education Loan – in partnership with Sallie Mae

Recreational Vehicle Loans

LoanAPR* as low asMax Term
Titled RV**7.35%2 Years
Titled RV**7.85%3 Years
Titled RV**8.35%4 Years
Titled RV**9.15%5 Years
Titled RV**9.40%>5-7 Years
Titled RV***9.65%>8-10 Years


Untitled RV***10.35%2 Years
Untitled RV***10.85%3 Years
Untitled RV***11.35%4 Years
Untitled RV***11.85%5 Years

*Annual Percentage Rate. 
**APR is variable and tied to the current Wall Street Journal Prime rate of 8.50%

**Up to 90% financing
***Up to 80% financing

Solar Loans

LoanAPR*Max TermMax Amount
Solar Loan7.99%5 Years$75,000
Solar Loan8.25%10 Years$75,000
Solar Loan8.75%15 Years$75,000


**Annual percentage rate. $150.00 maximum closing costs. Standard 5-year, 10-year, or 15-year repayment terms. Up to 12 months of interest-only payments during construction. Unsecured loans available. Ability to re-amortize within the first 18 months at no cost.

Rates change daily. Please check HERE, or call (413) 774-6700 for the most recent rates.


Government Insured Real Estate Loans

There are several options for members looking to purchase or refinance and receive cash out. 96.5% and 100% financing available.

To report a lost or stolen Franklin First VISA credit card, call: (800) 449-7728From outside the U.S. call: (727) 299-2449.

To report a lost or stolen Franklin First ATM or Debit/Check Card during regular business hours call: (413) 774-6700.  After hours call: (800) 472-3272