When you’re looking for excellent rates on loan products, look no further – Franklin First FCU have the competitive rates you’re looking for.

Rates effective – November 1, 2017.

Personal Loans
Loan APR* as low as Max Term Max Amount
Personal Loan 13.00% 12 Months $8,000
Personal Loan 13.50% 24 Months $8,000
Personal Loan 14.00% 36 Months $8,000
Personal Loan 15.00% 48 Months $8,000
Personal Loan 15.50% 60 Months $8,000
Personal Loan 16.00% 72 Months $8,000
*
Annual Percentage Rate
VISA Cards
Loan APR* as low as Max Term Max Amount
Visa Platinum Variable Rate Card 9.25%**
(Prime*** + 5%)
None $8,000
VISA Platinum Reward Card 11.00%** None $15,000
*
Annual Percentage Rate
**
Rate may be increased after consummation
***
APR is variable and tied to the current Wall Street Journal prime rate of 4.25%
New & Used Car Loans**
APR* as low as Max Term
2.25% 36 Months
2.25% 48 Months
2.49% 60 Months
2.99% 72 Months
*
Annual Percentage Rate
**
Maximum amount $60,000

We finance new and used cars, trucks, and SUV’s with some of the best rates around and no gimmicks. If you already have an auto loan through another lender, but our rate looks better, save money by refinancing with us. NADA Guides for New Car, Used Car and Classic Car.

New & Used Motorcycle Loans**
APR* as low as Max Term
4.49% 24 Months
4.99% 36 Months
5.49% 48 Months
5.99% 60 Months
6.99% 72 Months
(Minimum $20,000)
*
Annual Percentage Rate
**
Max amount $50,000
Home Improvement Loans
Loan APR* as low as Max Term Max Amount
Home Improvement Line of Credit Variable Rate Prime** + 1% with floor of 6%*** 7 years $20,000
Home Improvement Fixed Rate Prime** + 4%
8.25%
7 years $20,000
Energy Loan 7.25% 7 years $10,000
Heat Loan 0.00% 7 years $25,000
*
Annual Percentage Rate
**
APR is variable and tied to the current Wall Street Journal prime rate of 4.25%, with a floor of 6%
***
Rate may be increased after consummation
Shared/Certificate Secured Loans
Loan APR* Max Term Max Amount
Share Secured Loan 6.50% 10 Years Balance of Account
Certificate Secured Loan 4% Above Certificate Rate 10 Years Balance of Account
*
Annual Percentage Rate
Education Loans
Loan APR* Max Term Max Amount
Education Loan 10.00% 48 Months $5,000
*
Annual Percentage Rate
Recreational Vehicle Loans
Loan APR* as low as Max Term Max Amount
Titled RV** 4.45% 2 Years $80,000
Titled RV** 4.95% 3 Years $80,000
Titled RV** 5.45% 4 Years $80,000
Titled RV** 5.95% 5 Years $80,000
Titled RV** 6.25% >5-7 Years $80,000
Titled RV*** 6.50% >8-10 Years $80,000
Titled RV*** 6.75% >11-15 Years $80,000
Untitled RV*** 8.45% 2 Years $15,000
Untitled RV*** 8.95% 3 Years $15,000
Untitled RV*** 9.45% 4 Years $15,000
Untitled RV*** 9.95% 5 Years $15,000
*
Annual Percentage Rate
**
Up to 90% financing
***
Up to 80% financing
Solar Loans
Loan APR* Max Term Max Amount
Solar Loan 5.50% 15 Years $50,000
*
Annual percentage rate. $90.00 maximum closing costs. Standard 10-year repayment term, or up to 15 years. Up to 12 months of interest-only payments during construction. Unsecured loans available. Ability to re-amortize within the first 18 months at no cost.
Home Equity Loans
Loan APR* Max Term Max Amount
Home Equity Fixed Rate (Second Mortgage) as low as 3.74% 20 years $200,000
Home Equity Line of Credit 1.99% for first 12 months*** 5 year draw period with 15 year repayment term $200,000
*
Annual Percentage Rate
**
APR is variable and tied to the current prime rate as published in Wall Street Journal, prime rate currently is 4.25%. Rate may be increased after consummation
***
Introductory rate for 12 months

Home Mortgage Loans

Rates change daily. Please call 413-774-6700 for the most recent rates.

Government Insured Real Estate Loans

There are several options for members looking to purchase or refinance and receive cash out. 96.5% and 100% financing available.

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