All of us at Franklin First FCU wish you all a happy New Year and a year full of good health and happiness, in your daily lives and in your financial future.

We thank all our members and future members for their continued support and membership in 2017.  We will continue to support you with quality products, loan rates and member service in 2018.

2017 was a good year for FFFCU and our membership as we brought many new products to you.  We now offer Instant Issue Debit Cards, Samsung Apple Pay, Remote Capture (mobile) Deposit,  done an Online Banking Bill Pay Conversion, upgraded our Overdraft Privilege software/program, are now offering a new account called our Pet Care Club. 

We have instituted many upgrades to our technology and our employee education and development in 2017 all to make your relationship a happy experience when you visit Franklin First and use our products.

The start of 2018 brings you  Loan E-Bills so you can receive your loan billings on line instead of receiving paper bills in the mail.  We are instituting many  upgrades and products to bring you in 2018.  Please watch for these on our Facebook page and on our website.

Please stop in to see us, visit our Facebook page, watch for our monthly blog, log on to our website at where you can be updated on our rates, apply for a loan, VISA Credit Card, check out online services, sign up for on-line banking and many, many other offers.

Thank you again for your continued membership.  We appreciate your loyalty and look forward to serving you in 2018.  Our members make Franklin First FCU an enjoyable place to work every day.



New technology is being worked on and developed every day to prevent scammers from accessing our identity and our funds.  Every time the new technology comes out, the scammers find a way to get around the newest technology.

For many years Debit/ATM Cards and Credit Cards used a magnetic strip to identify your card number, balances and accounts.  The scammers found a way to get this information when we used are cards at ATM’s, stores, gas pumps and other areas when we insert our card into a card slot. They would apply SKIMMER‘S  in the card slots to read the magnetic strip and access your account information and cameras to read your pin #’s on Debit/ATM cards.

The newest technology developed over the last couple of years was adding an EMV chip to all cards to make it harder for your information to be taken.  Well, the scammers have found a way to override the EMV chip also.

The newest device they are using is called a SHIMMER.  The Shimmer sits between the EMV chip and the ATM’s chip reader, allowing criminals to read the chip and steal card information.

This is a relatively new device and has been found mostly in California, Texas and Florida but may reach our area in the near future.  The fact the Shimmer is physically inside the ATM is also a problem.  It is really hard for a credit union or any financial institution to detect it primarily because is goes into the card slot so deeply.

The scammers are getting braver and many times will add the Shimmer or Skimmer to the ATM even when employees  are arriving for work.  This makes it look like they are a member or non member just utilizing the ATM for cash or deposits.  They  may  go unnoticed for the most part.

How can a member be more proactive at an ATM or other card reader?:

  • Look for cameras.  Criminals want card data but also need your pin #.  That usually requires putting a tiny camera somewhere near or above the ATM keypad.
  • Always cover the pin pad with your hand to prevent them from reading your pin # as you put it in.
  • Always be aware of your surroundings and look at the ATM, gas pump or any card slot for anything that does not look right.  If something looks off, don’t use the device.



  • The Franklin County Youth Football  League presents BINGO NIGHT!!   This is being held at St. Kaziemerz Society on January 13th opening at 7:00 PM.  You must be 18 to play.  There will be raffles and cash prizes will be awarded for each winning game.
  • Please join us in supporting Big Brothers Big Sisters of Franklin County again this year by attending their TRIVIA NIGHT  at St. Kaziemerz Society 197 Avenue A in Turners Falls on Saturday, January 27, 2018.  The doors will open  at 6:30 with Trivia starting promptly at 7:00 PM.  The cost is $15 per player. Teams are made up of 8-10 people.  Create your own team or ask to join others.  Space is limited so you are strongly encouraged to make reservations by  contacting There is a cash prize for the wining team and a 50/50 Raffle.  There will be a cash bar and you can BYOS=bring your own snacks!
  • The Greenfield Elks on Corner of Federal and Church St. offers a free lunch to all Veterans each Thursday from 12-1:30.  There contact information is (413) 834-715.
  • There will be a Ham & Bean Supper presented by the Montague Congregational Church on Saturday Jan. 20, 2018 at 5:30.  Adults are $10.00 and Children $5.00.  Please make reservations at 367-2652.  Walk ins will be seated as space allows.  You may also call for take outs.
    • menu:
      • Ham, Baked Beans, Carrots, Coleslaw, homemade brown bread, apple pie squares, coffee, tea and milk.  Sounds like a delicious alternative to cooking!

And a quick note of Greenfield’s 96th Winter Carnival to be held on February 2nd-4th with events all over town.  Please visit the Greenfield Recreation Department for more details and the events calendar.  Always a lot of fun!!!!!!!!!








We know that your pets are a part of your family and that you want to take care of them like you would any other family member.  That is why we have created a new savings club account to help you care for your pet’s routine and unexpected needs.Charlie1

How it works:

  • Once the account is opened, add money to the account via direct deposit, in the branch or via mobile deposit
  • Withdrawals are easy! Just bring in a receipt, vet bill or estimate for care!

What can you use the money in your Pet Care Club account for? Routine & unexpected Veterinary Care, Medicine, Food, Pet Care Supplies, Grooming, Boarding and pretty much any pet care related expenses.

Bonus:  We’ll provide a 1% bonus to your Pet Care Club at the end of the year on the balance in your account (minimum of $100 balance is required).

Plus as a Franklin First Member you qualify for discounted Pet Insurance through PetPartners, visit Franklin for details!

Here are some winter pet safety tips from the Ma government safety tips website:

  1. Keep pets indoors when possible.  If it’s too cold for you it’s probably too cold for your pets.  Don’t keep your pets outdoors for long periods of time during very cold weather.
  2. Provide outdoor shelter for your pets.  Make sure they have a dry, draft-free doghouse that is large enough for pets to sit and lie down in, but small enough to retain body heat.  The floor should be elevated a few inches off the ground and covered with cedar shavings or straw.  The entrance should face away from heavy winds and be covered with a flap of heavy waterproof fabric or heavy plastic.
  3. Care for your pets feet. Salt and other chemicals used to melt ice and snow can harm your pet’s feet.  Gently rub the bottom of your pet’s paws with a damp towel to remove these irritants after a walk or buy boots to prevent paw irritation during winter months.  You should also look for signs that your pet’s feet are uncomfortably cold, which could include them frequently lifting their paws, whining or stopping.
  4. Never leave a pet locked inside a car during extremely cold weather.  Cars can act like a refrigerator, holding in cold air and putting your pet at risk.
  5. Keep antifreeze out of reach of pets.  Man types of antifreeze have a sweet taste that can attract animals.  Wipe up any spills right away to avoid antifreeze poisoning.
  6. Check your vehicle before starting the engine.  Parked vehicles can attract cats and small wildlife which may crawl under the hood seeking warmth.  Bang on your hood to scare away animals before starting your engine.


Franklin First continues to support special causes in Franklin County:

  • Adopt-A-Family has returned to Franklin First Credit Union!  Stop by the branch and chose a stocking off our tree, purchase a gift and return it back to us by December 12th.  Or you can make a donation towards the families Holiday dinner by placing funds in the buckets placed at each teller window.  Please help us to make this Holiday season the happiest yet for a deserving family!
  • Toys for Tots has retuned again this year.  Please bring in an unwrapped gift for a child and place it in the box in our lobby by December 18th.  Your gifts will be picked up, wrapped and distributed to children in our area.
  • The Franklin County Rotary and Greenfield Kiwanis are sponsoring the 2nd Annual Festival of Trees at the Yankee Candle Village in South Deerfield MA. This is a fundraising event in support of Big Brothers Big Sisters of Franklin County and the Franklin  County  Regional Dog Shelter.  All fully decorated and donated Christmas trees will be on display and available to win.  Tickets are available at the door by cash or card.
    • Hours are:
    • Thursdays and Fridays 5:00-8:00 P.M
    • Saturdays 10:00 A.M-6:00 P.M.22310238_1527997793912834_1682134073144561678_n
    • Dates are:
    • November 30th-December 2nd
    • December 7th-December 9th
    • December 14th-December 16th 

Speaking of the Franklin County Regional Dog Shelter, we have their 2018 Calendars for sale in our lobby.  They are very beautiful this year and feature rescued and adopted dogs from the shelter.  They can be purchased for $10.00 each and will benefit the shelter so that they can continue to provide care for all animals brought to them.


Franklin First Federal CU is please to be chosen as the 2017 Recorder Favorite CU for Franklin County.  Thank you to all who have voted for us. 


Franklin First will be closed December 25, 2017 for the Christmas Holiday and January 1, 2018 in celebration of New Years. 

We wish all of you a happy, safe and joyful holiday season and a prosperous new year.



Chose this recipe for the busy holiday season.  Put in the Crock pot and go on with your day.

Slow Cooker Chicken Pot Pie Stew


  • Cook

  • Ready In

Recipe By: GourmetSoy
“This is a great meal for busy families! It’s hearty and easy. Kids love it, too! Serve over split buttermilk biscuits.”


  • 4 large skinless, boneless chicken breast halves, cut into cubes
  • 10 medium red potatoes, quartered
  • 1 (8 ounce) package baby carrots
  • 1 cup chopped celery
  • 2 (26 ounce) cans condensed cream of chicken soup
  • 6 cubes chicken bouillon
  • 2 teaspoons garlic salt
  • 1 teaspoon celery salt
  • 1 tablespoon ground black pepper
  • 1 (16 ounce) bag frozen mixed vegetables


  1. Combine the chicken, potatoes, carrots, celery, chicken soup, chicken bouillon, garlic salt, celery salt, and black pepper in a slow cooker; cook on High for 5 hours.
  2. Stir the frozen mixed vegetables into the slow cooker, and cook 1 hour more.








November 2, 2017: Celebrating November While Watching our Wallets

November 2, 2017 BLOG

November is a busy month for everyone with Veterans Day on November 11th, Thanksgiving Day being celebrated November 23rd this year,  and don’t forget all those black Friday shoppers beginning their shopping on November 24th.

Speaking of the holiday season, it is a good time to remind everyone of the need to be aware of the increase in SCAMS, pick pockets and robberies that occur this time of year. Some people tend to be more desperate this time of year and will look for anyway they can to get extra money to provide for their families for the holidays.

  • When shopping on line you have to be more cautious. Since the development of chip readers in stores that we shop, many scammers have put more efforts to the online shoppers. When shopping online use a credit card (not debit card) and only shop on secure websites. Look for https in the website address (the extra “s” if for “secure”) and for a lock symbol.
  • Look-alike websites: When shopping on line, make sure to use only legitimate websites and watch out for URL’s that use the names of well-known brands.
  • Fake shipping notifications that have attachments or links to sites that will download malware to your computer to steal your identity and passwords.
  • E-cards or electronic cards can be useful but be careful. Two red flags to watch out for are: the sender’s name is not apparent and you are required to share additional information to get the card.
  • Letters from Santa are a way for scammers to get personal information from unsuspecting parents. Several trusted companies offer charming, personalized letters from Santa but to check if they are legitimate check the company with (/).
  • Emergency scam when you receive a call from a family member or friend claiming to be in an accident, arrested, or hospitalized while traveling in another country or state. Never send money without first calling the family member or friend directly to make sure the information you receive is actually true.
  • Phony charities happen all year but mostly at the holidays when everyone is in a generous mood. Scammers take advantage of this with fake charity solicitations in email, social media sites and even by text. Before giving to any charity, first check them out at
  • Be aware of solicitations for temporary holiday jobs for retailers and delivery services that require you to share personal information online or pay for a job lead. Apply in person or go to the retailers’ main websites to find out who is hiring.
  • Be aware of anyone who asks you to pay for holiday purchases using prepaid debit cards, gift cards, wire transfers, third parties, etc. These payments cannot be traced and cannot be undone. Free gift card pop up ads or e-mails are just another way to get your personal information that can later be used for identity theft

Credit goes to the Better Business Bureau for these warnings to avoid holiday scams. You can also reach them at

Other areas that I would like to touch on are the pick pockets and robberies. When out shopping always watch the area around you for suspicious activity.  Check under and around your car in parking lots to make sure there is no one that can grab you and take your wallet, purse or purchases that you are carrying.  When you have full arms, the pick pocket & robber has free range to your goods and money.

Always remember to lock your car at all times, especially at the holidays. This also goes for your homes.  The holidays are a perfect time for robbers to pick from the beautifully wrapped gifts under your Christmas tree, for Hanukah and other religious celebrations this time of year.

Veterans Day History:

I would like to give you a little history of how Veterans Day became a national day of remembrance with help from the Office of Public and Intergovernmental Affairs.

World War I officially ended when the Treaty of Versailles was signed on June 28, 1919. However, fighting ceased seven months earlier when an armistice or temporary cessation of hostilities, between the Allied nations and Germany went into effect on the eleventh hour of the eleventh day of the eleventh month.  For that reason November 11, 1918 is generally regarded as the end of “the war to end all wars”.

In November 1919, President Wilson proclaimed November 11 as the first commemoration of Armistice Day with the following words: “To us in America, the reflections of Armistice Day will be filled with solemn pride in the heroism of those who died in the country’s service and with gratitude for the victory, both because of the thing from which it has freed us and because of the opportunity it has given America to show her sympathy with peace and justice in the councils of the nations…”

The original concept for the celebration was for a day observed with parades and public meetings and a brief suspension of business beginning at 11:00 AM. On May 13, 1938 an Act (52 Stat. 351; 5U.S.Code, Sec. 87a) was approved making the 11th of November in each year a legal holiday; a day to be dedicated to the cause of world peace and to be thereafter celebrated and known as “Armistice Day”.  Armistice Day was primarily set aside to honor veterans of World War I, but in 1954, after World War II had required the greatest mobilization of soldiers, sailors, Marines and airmen in the nation’s history; after American forces had fought aggression in Korea, the 83rd Congress, at the urging of the veterans service organization, amended the Act of 1938 by striking out the word “Armistice” and inserting the work “Veterans”.  With the approval of this legislation (Public Law 380) on June 1, 1954, November 11th became a day to honor American veterans of all wars.

Please take a moment on November 11th and every day to remember all our veterans who have served and are still serving in our armed forces today.  They gave of themselves with their lives, soul and bodies to keep the freedom in America that we all take for granted every day.  Their families gave up their loved ones to serve our country in battle, some that never returned, and should be remembered this day as well.  Without all of their sacrifices we would not continue to have the freedom we enjoy every day.

Thank you from the bottom of our hearts today and every day to all our Veterans and their families for their sacrifice to our country and our freedom.



Thanksgiving Day will be celebrated this year on Thursday November 23rd.  Please remember that Franklin First FCU will be closed this day and the preceding Wednesday November 22nd at 3:00 for our staff to enjoy this special celebration with their families and friends.

All of us at Franklin First Federal CU wish all our members and community a very Happy and Joyful Thanksgiving. We will see you again on Friday November 24th, except for two of our employees who are fighting the crowds on Black Friday 🙂



Franklin First FCU is also starting a “Recipe Blog” this month. We will be printing a recipe each month and would like to hear from our members and the community with your special recipes to add to our “Recipe Blog”.   Please send your recipes to  I will get as many of your recipes added to the “Recipe Blog” as I can.  Remember, at this time we are only printing the Blog once a month.

November’s recipe is one of my favorites and is very quick and easy:

Pork Tenderloin with Maple Glaze

2 pork tenderloins, about 2-3 pounds

1 clove garlic, halved

1 tsp. herb seasoning blend or Cajun seasoning blend

Pepper, to taste

Salt, if seasoning blend is salt-free

2 tsp. Butter

2 tsp olive oil

6 tbsp. pure maple syrup

¼ cup cider vinegar

2 tsp. Dijon mustard or Bold ‘n spicy mustard

2 tbsp. cider vinegar

1 tbsp. pure maple syrup

Salt and pepper, optional


Trim pork of any visible fat and membrane. Rub pork tenderloins all over with garlic halves, the seasoning blend and pepper.  If seasoning is salt-free, sprinkle with a little salt.

In a small bowl, combine 6 tbsp. maple syrup, ¼ cup cider vinegar and the Dijon or brown mustard. Stir to blend thoroughly.  Set aside.

Melt butter with oil in large nonstick skillet over medium heat until hot and foamy. Add pork tenderloins and cook, turning until brown on all sides, about 6-8 minutes.  Reduce heat to medium-low, cover and cook until thermometer inserted into pork registers 150 degrees, turning occasionally.  This should take 10-15 minutes longer, depending on thickness of tenderloins.

Transfer pork to platter; cover to keep warm. Add 2 tbsp. vinegar to skillet and bring to boil, scraping up any browned bits.  Reduce heat to medium-low.  Return pork to skillet; add maple syrup mixture and turn pork in glaze to coat well, about 2 minutes.  Remove from heat.

Transfer pork to cutting board. Cut pork into ½ inch slices.  Stir 1 tbsp. maple syrup into glaze.  Taste and season with salt and pepper, if needed.  Arrange sliced pork on plates or platter.  Spoon glaze over pork and serve.

Makes 4-6 servings

Franklin First Federal CU 1st Blog

Hello to all our readers and members.

We are starting a monthly blog to give you information on happenings at Franklin First Federal CU and  within the Franklin County area.  We will be adding points of interest such as retirement planning, IRA’s, financial education for children, and many other areas that we feel will help you in your daily life.

Please feel free to give us any  feedback regarding our articles and any other areas of interest you would like to see in our blog.  Your ideas, comments and critiques are greatly appreciated and welcome.

Will be writing again soon.