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Rates effective October 19th, 2023.
| Loan | APR* as low as | Max Term | Max Amount |
|---|---|---|---|
| Personal Loan | 13.25% | 12 Months | $10,000 |
| Personal Loan | 13.75% | 24 Months | $10,000 |
| Personal Loan | 14.25% | 36 Months | $10,000 |
| Personal Loan | 15.25% | 48 Months | $10,000 |
| Personal Loan | 15.75% | 60 Months | $10,000 |
| Personal Loan | 16.25% | 72 Months | $10,000 |
*Annual Percentage Rate.
| Loan | APR* as low as | Max Term | Max Amount |
|---|---|---|---|
| Visa Platinum Variable Rate Card | 13.50%** (Prime*** + 5.0%) | None | $8,000 |
| VISA Platinum Reward Card | 11.25%** | 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.
| APR* as low as | Max Term |
|---|---|
| 6.99% | 36 Months |
| 6.99% | 48 Months |
| 7.24% | 60 Months |
| 7.49% | 72 Months (Minimum $20,000) |
| 7.74% | 84 Months |
*Annual Percentage Rate. Rates quoted are based on our "A" credit grade and require automatic payments from a Franklin First checking account. Rates are increased by 0.25% if automatic payment is not set up. 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
| APR* as low as | Max Term |
|---|---|
| 6.14% | 24 Months |
| 6.64% | 36 Months |
| 7.14% | 48 Months |
| 7.64% | 60 Months |
*Annual Percentage Rate. Rates quoted are based on our "A" credit grade and require automatic payments from a Franklin First checking account. Rates are increased by 0.25% if automatic payment is not set up. 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%
| Loan | APR* as low as | Max Term | Max Amount |
|---|---|---|---|
| Home Improvement Line of Credit Variable Rate | 9.25% | 7 years | $30,000 |
| Home Improvement Fixed Rate | Prime** + 4% 12.50% | 7 years | $30,000 |
| Energy Loan | Prime** + 3% 11.50% | 7 years | $30,000 |
| Heat Loan | 0.00% | 7 years | $50,000 |
| Fuel Loan | Prime** + .25% | $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
| Loan | APR* | Max Term | Max Amount |
|---|---|---|---|
| Share Secured Loan | 6.50% | 10 Years | Balance of Account |
| Certificate Secured Loan | 4% Above Certificate Rate | 10 Years | Balance of Account |
*Annual Percentage Rate.
**APR is variable and tied to the current Wall Street Journal Prime rate of 8.50%
| Loan | |||
|---|---|---|---|
| Education Loan – in partnership with Sallie Mae |
| Loan | APR* as low as | Max Term |
|---|---|---|
| Titled RV** | 6.60% | 2 Years |
| Titled RV** | 7.10% | 3 Years |
| Titled RV** | 7.60% | 4 Years |
| Titled RV** | 8.10% | 5 Years |
| Titled RV** | 8.40% | >5-7 Years |
| Titled RV*** | 8.65% | >8-10 Years |
| Titled RV*** | 8.90% | >11-15 Years |
| Untitled RV*** | 9.60% | 2 Years |
| Untitled RV*** | 10.10% | 3 Years |
| Untitled RV*** | 10.60% | 4 Years |
| Untitled RV*** | 11.10% | 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
| Loan | APR* | Max Term | Max Amount |
|---|---|---|---|
| Solar Loan | 7.74% | 15 Years | $75,000 |
No closing costs
*Annual percentage rate. $150.00 maximum closing costs. Standard 10-year repayment term, or up to 15 years. 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.
| Loan | APR* | Max Term | Max Amount |
|---|---|---|---|
| Home Equity Fixed Rate (Second Mortgage) | as low as 7.90% | 20 years | $200,000 |
| Home Equity Line of Credit | 8.50%** | 5 year draw period with 15 year repayment term | $200,000 |
3.99% for the first year
*Annual Percentage Rate.
**APR is variable and tied to the current Wall Street Journal Prime rate of 8.50%
Rates change daily. Please check HERE, or call (413) 774-6700 for the most recent rates.
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) 449-7728. From 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
Franklin First Federal Credit Union | 57 Newton St. | Greenfield, MA 01301 Ph: (413) 774-6700 | Fax: (413) 774-5014 | talktous@franklinfirst.org | |
