Look to Franklin First for excellent rates on loan products!

Rates effective as of October 31, 2025

Personal Loans
Max Term APR* as low as Max Amount
12 Months 13.00% $10,000
24 Months 13.50% $10,000
36 Months 14.00% $10,000
48 Months 15.00% $10,000
60 Months 15.50% $10,000
72 Months 16.00% $10,000
Visa Cards
Card Type APR* as low as Max Term Max Amount
Visa Platinum Variable Rate Card 12.00%** (Prime*** + 5.0%) None $8,000
Visa Platinum Reward Card 11.00%** None $15,000
**Rate may be increased after consummation
New & Used Car Loans
APR* as low as Max Term
5.99% 36 Months
5.99% 48 Months
6.24% 60 Months
6.49% 72 Months (Minimum $20,000)
Maximum amount $80,000
View NADA Guides for values
New & Used Motorcycle Loans
Max Term APR* as low as
24 Months 7.14%
36 Months 7.64%
48 Months 8.14%
60 Months 8.64%
72 Months 9.64%
Maximum amount $65,000
New: Up to 100% of Purchase Agreement
Used: Up to 100% of NADA Book Value
Home Equity Fixed Rate Second Mortgage
Max Term APR* as low as
5 Year 6.24%
10 Year 6.49%
15 Year 6.74%
20 year 7.24%

90% Loan to Value;Maximum amount $200,000

Home Equity Line of Credit (HELOC)
Max Term APR* as low as
20 Years 5.49% intro rate for the first 12 Months, after initial 12 Months rate changes to Prime Rate

90% Loan to Value; Maximum amount $200,000

Home Improvement Loans
Loan Type APR* as low as Max Term Max Amount
Home Improvement Line of Credit Variable Rate Prime** + 1% 7 years $30,000
Home Improvement Fixed Rate Prime** + 4% 7 years $30,000
Energy Loan Prime** + 3% 7 years $30,000
Heat Loan 0.00% 7 years $50,000
Fuel Loan Prime** + .25% $2,000
**Rate may be increased after consummation
Shared/Certificate Secured Loans
Loan Type APR* as low as Max Term Max Amount
Share Secured 6.50% 10 Years Balance of Account
Certificate Secured 4% Above Certificate Rate 10 Years Balance of Account
Education Loans
In partnership with Sallie Mae
RV Loans
Max Term APR* as low as
Titled RV**
2 Years 7.35%
3 Years 7.85%
4 Years 8.35%
5 Years 8.85%
5-7 Years 9.15%
>7-10 Years 9.4%
>10-15 Years 9.65%
Untitled RV***
2 Years 10.35%
3 Years 10.85%
4 Years 11.35%
5 Years 11.85%
**Up to 90% financing
***Up to 80% financing
Solar Loans
Max Term APR* as low as Max Amount
5 Years 6.49% $100,000
10 Years 6.74% $100,000
15 Years 6.99% $100,000
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.
Home Mortgage Loans/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
Rates change daily
Check HERE or call (413) 774-6700 for the most recent rates.

*Annual Percentage Rate.  APR is variable and tied to the current Wall Street Journal Prime rate of 7.00%