Credit union · NCUA insured
Franklin First Federal Credit Union CD Rates
Franklin First Federal Credit Union’s best CD rate is 3.51% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Franklin First Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Greenfield, MA, where Franklin First Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Franklin First Federal Credit Union
3.51%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $714
Term Certificates (CDs)
Top rate
Freedom Credit Union
4.50%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $566
2nd-highest rate
Greenfield Savings Bank
4.28%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,340
Franklin First Federal Credit Union CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.41%
- 16–30 months16–30 mo3.51%
- 31–60 months31–60 mo3.51%
- QualifiedQualified3.51%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Franklin First Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Certificates (CDs)
Up to 3.51%APY · 7 terms
Dividends are posted and compounded monthly. All share and term accounts use the average daily balance method for dividend calculation. Rates effective September 17, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.30% | $164 |
| 12 months | 3.41% | $341 |
| 18 months | 3.46% | $523 |
| 24 months | 3.51% | $714 |
| 36 months | 3.51% | $1,090 |
| 48 months | 3.05% | $1,277 |
| 60 months | 3.05% | $1,621 |
Sources (1)
- franklinfirst.org/deposit-rates · captured Sep 18, 2026
Special-purpose accounts
IRAs (Term Certificates)
Up to 3.51%APY · 7 terms
Dividends are posted and compounded monthly. All share and term accounts use the average daily balance method for dividend calculation. Rates effective September 17, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.30% | $164 |
| 12 months | 3.41% | $341 |
| 18 months | 3.46% | $523 |
| 24 months | 3.51% | $714 |
| 36 months | 3.51% | $1,090 |
| 48 months | 3.05% | $1,277 |
| 60 months | 3.05% | $1,621 |
Sources (1)
- franklinfirst.org/deposit-rates · captured Sep 18, 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.