Credit union · NCUA insured
Franklin First Federal Credit Union
A $88.5M credit union headquartered in Greenfield, MA, with 7,387 members and 1 branch in Massachusetts. Best rates: CDs 3.51% and savings 0.45% APY.
Franklin First Federal Credit Union Carrot Score
72
Carrot Score
Higher than 31% of U.S. banks and credit unions
#4 of 6 in Greenfield, MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Franklin First Federal Credit Union
Franklin First Federal Credit Union, formed by merging four local credit unions dating back to 1958, is based in Greenfield, Massachusetts.
Operating as a division of Greylock Federal Credit Union and a member-owned cooperative, it adopted a community charter in 2000.
It serves over 7,000 members across Franklin County.
- Headquarters
- 57 Newton St, Greenfield, MA 01301-3113
- NCUA charter
- 12604
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or goes to school in Franklin County, Massachusetts is eligible to join.
Cost to join
- Maintaining a minimum balance of one share is required to maintain membership.
Branches
1 branch in Massachusetts
Loading map…
Massachusetts
1 branch
- 57 Newton StMain office57 Newton St, Greenfield, MA 01301Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.85% | 14.28% | 19.18% or more |
| Troubled loans60+ days late | 0.63% | 0.65% | 0.14% or less |
| ProfitabilityReturn on assets | 1.15% | 0.61% | 1.17% or more |
| LendingLoans per $100 deposited | $61 | $59 | — |
- CapitalNet worth ratio8.85%Peers’ middle 14.28% · Top 25% 19.18%+
- Troubled loans60+ days late0.63%Peers’ middle 0.65% · Top 25% ≤0.14%
- ProfitabilityReturn on assets1.15%Peers’ middle 0.61% · Top 25% 1.17%+
- LendingLoans per $100 deposited$61Peers’ middle $59
Compared with the 2,508 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Franklin First Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.