Credit union · NCUA insured
Franklin First Federal Credit Union Savings Rates
Franklin First Federal Credit Union’s best savings rate is 0.45% APY on $10,000, with its Money Market Accounts. Rates checked October 15, 2026.
How Franklin First Federal Credit Union’s savings 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
0.45%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $45
Money Market Accounts
Top rate
Workers Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $300
2nd-highest rate
Greenfield Savings Bank
2.53%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $253
Franklin First Federal Credit Union savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.95%
- QualifiedQualified0.55%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Accounts
0.45%APY
Variable rate account. Dividends are calculated using the average daily balance method, posted, and compounded monthly. Rates may change at any time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.25% | — |
| $2,500 – $25,000 | 0.45% | $45 |
| $25,000 – $50,000 | 0.75% | — |
| $50,000 – $100,000 | 0.95% | — |
| $100,000 and up | 0.95% | — |
Sources (1)
- franklinfirst.org/deposit-rates · captured Sep 18, 2026
Rewards Savings
0.55%APY on $10,000
Must be linked to a Rewards Cash (Kasasa Cash) or Rewards Cash Back (Kasasa Cash Back) checking account. Variable rate account with no monthly maintenance fees and no minimum balance required to earn rewards.
| Part of the balance | Rate on that part |
|---|---|
| Up to $25,000 | 0.55% |
| Over $25,000 | 0.25% |
On $10,000 the tiers blend to about 0.55% APY, earning $55 a year.
Sources (3)
All captured Oct 5, 2026
Regular Shares
0.10%APY
Basic savings program required to maintain credit union membership. Variable rate account; dividends calculated using the average daily balance method, compounded and posted monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRequires a minimum balance of $25.00 (one share) to maintain membership.$25 and up | 0.10% | $10 | Requires a minimum balance of $25.00 (one share) to maintain membership. |
Special-purpose accounts
Holiday Club
0.20%APY
Club savings account. Variable rate account; dividends calculated using average daily balance method, compounded and posted monthly. Funds automatically transfer to regular savings in early October.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Frankie Fund
0.10%APY
Kids' savings account for ages 3-12 designed to promote financial education. Child must be present and participate in account opening and transactions to earn incentive rewards. Initial member share of $25 is provided at opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable for children ages 3-12.Any balance | 0.10% | $10 | Available for children ages 3-12. |
Share (Savings) IRA
0.10%APY
IRA savings account (options include Roth IRA and Coverdell ESA). Variable rate account; dividends calculated using the average daily balance method, compounded and posted monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Vacation Club
0.10%APY
Club savings account. Variable rate account; dividends calculated using average daily balance method, compounded and posted monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- franklinfirst.org/deposit-rates · captured Oct 5, 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.