Business Details
50+ Years
experience
Your Community Partner for Reliable Banking Solutions
Franklin First Federal Credit Union has served Franklin County since 1958, originating from the merger of four community-focused credit unions. As a not-for-profit financial cooperative, we prioritize member ownership and community impact over profit margins. Our history of collaboration began with institutions like the Franklin County Public Hospital FCU and Franklin County Teachers FCU, united by shared goals of superior service. We expanded access in 2000 by adopting a community charter, enabling anyone living, working, or worshiping in Franklin County to join. With over 7,000 members today, we combine cutting-edge technology with personalized service to deliver banking solutions tailored to local needs.Our physical presence at 57 Newton Street in Greenfield provides a central hub for financial services, while digital tools ensure 24/7 account access. We emphasize financial education through free coaching services and partnerships like Legacy Assurance Plan for estate planning. Our commitment to security includes Kasasa Protect for identity monitoring and fraud prevention. As a member-owned institution, we operate transparently with fees clearly outlined in our fee schedule. Our team of certified financial coaches and on-staff notaries reflects our dedication to comprehensive, community-centered banking.
Services
Checking Accounts
Savings Accounts
Personal Loans
Auto Loans
Mortgage Loans
Online Banking
Mobile Banking
Financial Coaching
Notary Services
Estate Planning
Details
- Year established: 1958
Highlights and features
- We operate as a not-for-profit financial cooperative owned by our members
- Our community charter serves anyone in Franklin County, Massachusetts
- Free financial coaching available from certified professionals
- 24/7 digital banking with mobile check deposit and card controls
- Local decision-making for personalized loan approvals and services
Services
Rewards Checking
Our Rewards Checking accounts offer competitive interest rates with convenient features like mobile check deposit and digital wallet integration. Members earn up to 4.00% APY with qualifying transactions, combining financial flexibility with modern banking technology. This service supports budget management through free financial coaching and card control features.
Personal Loans
We provide personal loans starting at 13.00% APR with flexible terms to meet various financial needs. These unsecured loans help members consolidate debt, cover emergencies, or finance personal projects while maintaining affordable monthly payments. Our local underwriting process ensures personalized service.
Online Banking
Access your accounts 24/7 through our secure online banking platform. Features include bill payment, fund transfers, credit score monitoring, and e-statements. Mobile app users enjoy additional conveniences like mobile check deposit and real-time transaction alerts for enhanced financial management.
Financial Coaching
Certified financial coaches provide free personalized guidance to help members create budgets, reduce debt, and achieve financial goals. This service includes tools for tracking progress and developing sustainable money management habits tailored to individual circumstances.
Notary Services
We offer free notary services to members with certified professionals available during business hours. This service supports important financial transactions and legal document executions, providing convenience and trust through our established community presence.
Questions
How do I become a member?
Anyone living, working, worshiping, or studying in Franklin County, MA can join by opening an account with a minimum $1 deposit.
What loan types do you offer?
We provide auto loans starting at 6.24% APR, personal loans from 13.00% APR, mortgage loans, and overdraft protection options.
Are there mobile banking options?
Yes, our mobile app includes check deposit, card controls, bill payment, and real-time account access available 24/7.
Do you charge ATM fees?
We offer surcharge-free access at MoneyPass and SUM network ATMs nationwide, with six free transactions monthly at other networks.
What financial education resources exist?
Free financial coaching helps with budgeting, debt reduction, and goal planning through certified professionals during regular business hours.