Credit union · NCUA insured
Franklin First Federal Credit Union Auto Loan Rates
Franklin First Federal Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 15, 2026.
How Franklin First Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Greenfield, MA, where Franklin First Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Franklin First Federal Credit Union
5.74%APR
- Terms
- up to 60 months
- Discount
- None included
New & Used Car Loans
Lowest rate
Workers Credit Union
4.99%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
2nd-lowest rate
Freedom Credit Union
5.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Franklin First Federal Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Franklin First Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New & Used Car Loans
Maximum loan amount $80,000. Minimum $20,000 for 72-month term.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | — |
| up to 48 months | 5.49% | — |
| up to 60 months | 5.74% | — |
| up to 72 months | 5.99% | Minimum $20,000 balance for this term. |
Sources (1)
- franklinfirst.org/loan-rates · captured Oct 7, 2026
New & Used Motorcycle Loans
Maximum amount $65,000. New: Up to 100% of Purchase Agreement; Used: Up to 100% of NADA Book Value.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.14% | — |
| up to 36 months | 7.64% | — |
| up to 48 months | 8.14% | — |
| up to 60 months | 8.64% | — |
| up to 72 months | 9.64% | — |
Sources (1)
- franklinfirst.org/loan-rates · captured Oct 7, 2026
Who can join Franklin First Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.