Customer Comments

Thinking of doing business with Foxboro Federal?

Please read what our customers wrote below. These comments represent a sample of the many written in response to our satisfaction survey mailed to every customer closing a loan with Foxboro Federal.


“Have been a FoxFed customer for over 25 years, very satisfied ”.

“Crystal was very helpful, pleasant & professional in dealing with our loan re-financing. Exceptional job performance, it was a pleasure to work along with her in the process. Hats off to a great employee! ”.

“Happy I was able to find a local bank with great rates. Keep up the good work in the community”.

“Your employees are all welcoming and polite, the loan process was smooth and timely”.

“Crystal is the best!”.

“This was our second time around with Refi’s. Both were with Crystal and she is awesome. I will highly recommend her to others. ”.

“Crystal helped with the process; she was amazing! She was so helpful”.

“Crystal was great to work with. Very responsive, organized and got the job done well! Law firm quick organized very professional ”.

“Crystal was very patient and understanding of our situation reassuring about process and time line”.

“Crystal was the best mortgage rep we’ve worked with in 5 mortgages.  Florence was wonderful dealing with the unique title situations.  Thank you for being a competent, well run bank!  The best mortgage experience we’ve had ”.  

 “Great experience, was quick & easy”.  

“Everyone was so nice, professional and helpful, thank you! ”. 

“Started the car loan by phone, finally met Crystal in the loan dept at the closing, she’s excellent!”. 

“I’ve loved working with everyone at Foxboro Federal, you folks are wonderful ”.

“Working with Christine and the team was great”.

“Thanks, Heat Loan process was simple and painless”.

“A special thank you to Patricia and Crystal for making this a very smooth process.  I will highly recommend them and Foxboro Federal to anyone considering a mortgage or refinance”.

“Better than my bank! ”.

“Thank you!  Great local bank ”.

“Love FoxFed!! ”.

“We started the process by talking over the phone with two employees of the loan department with whom  we have worked before in 2018, Chris & Crystal.  As always, they were friendly, professional and very helpful.  Ultimately, we decided to stay with FoxFed instead of seeking a lower re-fi rate because of the excellent service provided by these personable individuals, who are a true credit to the  bank!”.

An additional acknowledgement to Attorney Florence Spillane for her friendly, helpful, professional demeanor as well as her office set-up safety arrangements during the COVID pandemic – Kudos to her!”.

“Everyone was helpful and courteous (and put up with my sense of humor).  From start to finish the experience with FoxFed was outstanding. ”.



“Crystal and Jill were very helpful and professional.  They answered all my questions and provided all necessary forms promptly”.

“Crystal is excellent!  Super-efficient & Professional”.

“I have been a FoxFed customer for many years.  Your customer service has always been super friendly & professional. ”.

“Crystal was great to work with.  I appreciate the personal and competent relationship that gets lost with the big banks. Thanks”.

“We have been totally pleased with the services provided.  My spouse is a paper person who needs to see and read every word before he spends money.  FoxFed meets his needs very willingly and quickly.  We refer everyone we know to you for services and hope they contact you for their banking needs ”.

Heat Loan Customer – “Crystal was so incredibly helpful that I decided to refi my mortgage with FoxFed as well. I’ve refied a few times over the past 12 years. This has by far been the easiest, friendliest and most knowledgeable staff to work with.  Spillane & Spillane has also been incredibly helpful. I am beyond impressed and will definitely recommend to others looking for assistance!

“This was our second refinance with Foxboro Federal. Both times Crystal was our loan officer. She does an awesome job all around. She knows her job very well and helps customers understand the process . Frankly, I could have gotten a lower rate elsewhere but stuck with Foxboro Federal for your excellent, personal service. Thank you!”.

“Easy & quick turnaround process. Thanks”.

“Chris Vincent was excellent!”.

“Our experience was awesome, Crystal was very helpful, always answered our questions, over and above.”

“Crystal was great! Made the process relaxing and painless!”.


“Crystal was exemplary in servicing the transaction. Exceptionally responsive friendly and helpful”.

“Chris is great! Thx”.

“Crystal was professional, friendly with quick responses”.

“My wife & I would like to thank all the professionals we worked with, appraiser, attorney, FoxFed. I would like to recognize specifically , Crystal & Patricia for their excellent work &
guidance. Truly amazing people to work with”.

“Very pleased with the process of securing a loan. Actually, above average experience based on previous loan applications through other banks! Thanks, Chris, for your knowledge on the loan process.”

“Chris was great, customer focused. Easiest refi/mortgage ever. He was creative, most expedient in looking for ways to comply, making it a streamlined and easy process for us.”

“Great experience”.

“Hi Dennis, Great service once again”.

“For my future banking needs I will definitely consider Foxboro federal!”.

“My wife and I were pleased with our overall experience with Foxboro Federal Savings”.

“We worked with Chris throughout the entire loan process and can’t say enough great things about him. He was knowledgeable, professional kind and n the ball. A total pleasure to work with! We would highly recommend him to anyone we know.”

“Words cannot fully describe our sincere appreciation of the services provided to us during this process. Chris Vincent was exceptional to work with. His knowledge of the loan process always put my “worried mind” to ease. I knew we were in good hands for the first encounter we had with Chris, until closing. Thanks to him & your team, including the appraiser & attorney Florence, we were able to close on time & more importantly do so in record time (in my opinion). From start to finish I believe it was less than 60 days. We are blessed & fortunate to now be in our “forever” home having previously lived in our other home for 34 years. That home simply would not accommodate our needs as we get older. So while we had the time & energy, now was the right time to make this move.” – Thank you for being a vital part of our lives!”

“Pat & Karen of your loan department were courteous & professional. Keep up the good work! ”.

“I loved the entire process, Crystal is more than knowledgeable. She is excellent, we felt so easy throughout the process due to her professionalism, she is wonderful. We will always go back to Foxboro Federal Savings for any loan in the future because of our excellent experience. Thank you.”

“-The process was efficient and streamlined,
-All Required doc’s were explained clearly and sufficient time was given to obtain what was required,
-Time from application to closing was excellent,
-Overall experience was very positive/excellent,
-Closing was convenient and all items were clearly explained,
Thank you for a pleasant experience.”

“I have been with (bank omitted) Trust for over 20 years. I went there first but wanted to shop around for a mortgage. My second stop was Foxboro Federal. I work at the post office across the street. As soon as I got there Chris treated me like a person… not a number, as my bank of 20 years did. Chris was awesome, he explained everything, contacted me, spoke to me like I was a person, even on 3/15/19… my closing date, he called me to ask how everything went. Because of him I choose Foxboro for my mortgage and in the next few months I will be converting my checking & savings from (bank omitted) Trust to you.”

“Crystal is the best! Very informative and customer focused, provided all the information we needed in a timely manner! ”.

“Crystal & Chris provided an experience which was nothing short of perfection. I can’t even fathom attempting to navigate the waters of home ownership without them”.

“Chris was amazing to work with, very knowledgeable and made the process easy. He communicated well throughout the process. It’s great to be able to keep business local, and your bank makes it feasible to do that in an effective and professional manner!”.

“The experience was excellent! I will definitely use your bank for other services”.

“Awesome job! Chris is super knowledgeable and professional.”.

“Patty Grady was outstanding!! ”.

“Pleasure working with Foxboro Federal regarding this transaction”.

“I had a very good experience and would recommend FFS to family & friends. Chris Vincent was very helpful & prompt in mail responses. Highly recommend FFS! ”.

“Great Customer service! I had a small issue with online banking. It was taken care of quickly and professionally, thank you I just love your bank.”

“I want to tell you about how Denise went out of her way to solve a problem for me today. She took the time to exert her authority in a way that made my life 1000 times easier. She didn’t have to but chose to. Thank you for employing caring, compassionate people like Denise


“Chris Vincent was a fantastic contact throughout the entire loan process. He was always quick to respond to any of my questions. I am a happy client”.

“Everyone at Foxboro Federal was great to work with. Patty & Crystal were more than happy to help with whatever we needed. I would highly recommend them. Thank You!

“Chris Vincent was extremely helpful. He was knowledgeable and always available to answer many of our questions. We have enjoyed having our mortgage with Foxboro Federal. Thank You”.

“Christopher Vincent was great to work with! Thank You!”.

“Crystal Poulin was fantastic to work with!”.

“We had a great experience. We were especially happy with the great service provided by Crystal Poulin. She’s the best!”.
“Crystal was very helpful & knowledgeable. She was able to guide me through the whole process”.

“J. Barrett (closing attorney) very good!”

“Christopher Vincent was very helpful and was always available to answer any questions new had. We enjoy doing business with Foxboro Federal”.

“Patty, Crystal & Florence went above and beyond in obtaining a mortgage loan and closing on my new home. I am very glad I bet on Foxboro Federal to place all my CD’s, money market & checking accounts in 2016. Out of all the banks I looked at (TD, Rockland, Santander) I chose Foxboro Federal and your bank did not let me down”.

“The process was made very easy due in part to the people who worked with us”.

“Wonderful experience, no problems, everything in a timely manner”.

“Excellent! – Chris Vincent “.

“Far superior to large chains”.

“Very compassionate and understanding. What a heavy load off my shoulders”. – Thank you!

“Great job by Chris Vincent!!! Also Jim Barrett”.

“We had a great experience and would recommend Foxboro Federal always. Crystal was the Best! ”

“She (Crystal) was great to work with, we were very satisfied and very happy with the entire transaction”.

“Chris Vincent was remarkably easy and a pleasure to deal with. Whole process smooth & efficient”.

“Crystal was our advisor, she was friendly, courteous, and quite knowledgeable and made the whole experience less anxious for us. She went out of her way several times to help us with various steps in the process. We have been very pleased with the Foxboro Federal and the many people who work there now an in the past”.

“Chis Vincent was very communicative and easy to work with. He did an excellent job guiding us through the process. We will recommend FoxFed to family and friends”.

“Thank you (Karen) for your help in the whole process. This was the smoothest mortgage application process in my limited experience”.

“So far excellent experience”.

“We have continued to use FoxFed for several re-fi’s and now for a home purchase due to your great rates and very friendly & professional service. Crystal is a phenomenal asset to your business. Exceeds all expectations. Florence Spillane has also continued to be a very pleasant & competent attorney.”

“Foxboro Branch was very accommodating with our Mass Save Heat loan closing”.

“Chrystal was terrific, helped me every step of the way”.

“Jim, The checks you ordered for me came earlier than expected, on Saturday before the Monday date. A pleasant surprise, just another example of the courteous helpful service you have given me over the years for all my banking needs”.


“Crystal Berglund was very helpful guiding us through the mortgage application process. Professional, knowledgeable and personable. You have a great employee!”

“Karen Moody was excellent. She kept us informed throughout the process and was always responsive to our questions. Florence was also excellent. She has closed our other FoxFed loans as well as my mother-in-law. Florence is very thorough and very professional”.

“Chrystal is excellent and helpful”.

“Patricia Grady has provided outstanding customer support”.

“Very happy with services!”

“FoxFed always treats us well!”

“Chrystal was very through and patient in explaining all ramifications of loan”.

“I was pleased that my refi and my home equity loan went smoothly. There were no surprises, everything was as expected”.

“My wife and I were extremely impressed with the service Crystal and her team provided. Throughout the whole process she was responsible and knowledgeable at each step. It was truly a seamless experience for us, made possible by her great customer service”.

“Patty Grady is great to work with”.

“My wife and I have had the pleasure of banking at the Norfolk branch of Foxboro Federal for a good number of years and always, and I do mean ALWAYS, have been very pleased with every aspect of our banking experiences there. We will be moving to Durham, NH on September 20th and one major regret that we both share is that we will be leaving Foxboro Federal. This has been a terrific banking relationship for us and we can only hope to find a new bank that may come CLOSE to what we have experienced here. The staff has definitely been a bright spot in my not infrequent visits to the Norfolk branch of Foxboro Federal. No matter what needs doing, Anna, Angela, Janice and Jim Kostka (I sure hope I didn’t miss anyone!!!) take care of things at the highest professional level, with patience, courtesy and always with a smile. Even the occasional temporary staff member shows consistency in the way they take care of my banking needs. I feel as if I have a “bunch of friends at the bank” and I am going to miss this tremendously. I just can’t say enough good things about the “guys at the bank”! At this point, all I can say is that, to “the powers that be” at FoxFed, you are to be commended for providing such a terrific banking institution and such a caring, professional staff. They’re 100% terrific! I hope you will pass this note on to them so they will be aware of how very much they have been appreciated and will be missed!”

“Cannot say enough good things about Crystal. She was professional, courteous, friendly and super-efficient! Our whole experience was a complete pleasure. Crystal is a true asset to your bank!”.

“I have been dealing with this bank for well over thirty years and it still has the old fashion high standards that other places have lost. I like when I walk in and employees including the president Dennis ask how I am, how things are going and most important they know my name!”

“Patty Grady and her team were excellent to do business with”.

“I just wanted to send along a note to you. I am sure you usually hear complaints. I wanted to share a compliment of Crystal to you. Crystal has been a true pro from day 1. I had originally planned to use my current bank for Re Fi and HE loans. After too many calls and too much misinformation I gave up. My kids each have small accounts at FOX FED and I said why not call. On my initial call I was nothing but impressed with crystal. Her knowledge and immediate follow up was phenomenal. I asked her a lot of questions and got immediate answers which turned out to be correct form step one. While other banks make promises, Crystal gave her word and it was what happened all through the closing process. I had several back and forths with questions for our new mortgage and then HE line. Crystal assisted us in the best programs and processes. I truly appreciate her willingness to go above and beyond. You are lucky to have her at FOX FED. I will be sure to let others know to contact her if in need”.

“Service was excellent from start to finish. The loan process was explained very clearly and completed in a matter of days. I’m very happy to be a new customer”.

“Crystal was extremely professional and was a great help with all the questions I had and answered all of them. I can’t say a negative thing about the whole process. Foxboro Federal is the only bank I’ll deal with. Enjoy your day, a very happy customer”.

“Excellent experience. Thank you”.

“Crystal is super personable and helpful. She is a pleasure to work with. Florence is also a
Pleasure to work with. We have done previous closings with her and have always been very pleased”.
“Overall I was happy with obtaining a new mortgage. The best part is that everything went as expected. I always felt like I received notice of all upcoming events. Thank you”.

“Patty Grady in the mortgage department is a pleasure to work with. She is reliable and knowledgeable”.

“It was a very good experience working with Crystal on our recent refinancing. We found her to be professional, knowledgeable and personable. She was always available to answer our questions and guide us thru the process. It has always been a pleasure to work with Foxboro Federal.”

“My wife and I decided to apply through Foxboro Federal due to a prior experience when refinancing our previous home. The staff in the loan department are helpful courteous and professional. They make the process much easier to navigate. Thank you.”

“Appreciated extra time loan officer gave us after closing HELOC to go over recent trends in home mortgages.”

“Crystal was so helpful. Took all the stress out of the process. I have been with FoxFed for over 20 years and would never leave”.


“Very quick & professional staff, thanks great experience!”

“We dealt with 3 different banks within a 2 week period and Fox Fed was by far the best one to deal with”.

“I am very happy with the service I have received. Thank you”.

“Chris Vincent exceptional, I would refer and will”.

“Excellent experience – professional, knowledgeable staff”.

“Every single person involved in my loan closing was professional, knowledgeable, and courteous and went above and beyond in order to close my loan as quickly as possible. Karen and Patty were especially helpful. In this day and age where customer service is virtually nonexistent, Foxboro Federal has proven to be the exception and it was very much appreciated by this customer. Thank you all! ”.

“Patricia Grady was extraordinary helpful. She was timely, knowledgeable, patient and friendly. Give her a raise!”

“Patty made everything extremely easy and stress free. I wish every transaction could be this smooth.”.

“Patty was extremely friendly, helpful and responsive. She made me very happy in my decision to use a local bank rather than go through online channels”.

“Best financing experience ever! I’ve done four all with different (big banks) over the last 10 years. Also a great rate”.

“Loan service was quick and easy. We were guided through every step – no surprises”.

“Very pleasant experience and personal compared to the “big” banks!”

“Working with staff and associates of Foxboro Federal was outstanding. Service, response time, courteous and personal, all exceptional qualities that will keep us coming back”.

“Such a pleasure dealing with a local bank instead of a big conglomerate, a great overall experience!”

“Loved working with your bank!”


“I love my bank!!!”

“Everyone treated me wonderfully. I really appreciate all the help I received”.

“Jeanette was very professional, courteous, understanding, patient and flexible. Thank you for helping me with this HOC”.

“I would not go anywhere else. I have my grandchildren going to Norfolk. They are all so nice and willing to help. Thank you for having them”.

“Very helpful and very pleasant to work with”.

“Overall everyone was fantastic & helpful!”

“Loan staff was very helpful and accommodating, we enjoyed working with them”.

“The bank has consistently provided excellent customer service for the 20+ years I have been a customer”.

“Excellent service, A-1 closing attorney professional”.

Notable Comments from Previous Years

“We are pleased to be long time customers of Foxboro Federal where things have remained constant. No mergers, no big bank buyout, still a small town community oriented bank. Please remain the same. Your loyal customers”.

“Totally satisfied – We have been customers for 46 years and FoxFed has consistently employed excellent and well trained personnel”.

“I’ve been a customer for 40+ years and have stayed with Foxboro Federal for their wonderful services and employees. Have always had professionalism and kindness from all”.

“All the people I dealt with were friendly and warm as well as being very professional, capable and well informed, easily accessible etc. I am very pleased with my experience”.

“We had experience with three refi agencies before talking to FoxFed. One a bank, another internet and AAA, all three were bad experiences. Foxboro was upfront, precise and forthright admitted(ly) a very good combination”.

“We have been customer for many years. The personal touch is what this bank has, not available elsewhere. We’ve had many mortgage loans, etc. over our many years and this is by far our #1 choice. Most important are the times we’ve had a checking account crisis”.

“We have been doing business with you since we bought our house in 1974-ish and have been extremely happy with the services provided as well as the staff who provides them. We could not be happier”.

“Never experienced a small town bank before, as I look forward to retirement I’m hoping for more human, friendly and informational to my needs type of banking”.

“Every contact I have had with representatives from FoxFed have been outstanding. Your bank reminds me of the small town banks of my youth where customer service was a priority. I had a problem with a transfer from another bank. After explaining the problem to your representative, I was told don’t worry, we will take care of it, thank you.”

“I very much appreciate the friendly and courteous behavior as well as the personal treatment. It is the coldness and couldn’t care less attitude of large institutions, all they care about are corporate accounts and wealthy individuals that deposit large sums of money and perform large transactions. We need banks for the rest of us. Please keep up the good work!!!”

“Because you are a local bank, you have a more personal relationship with your customers. It creates a friendly atmosphere for your customers.”

“I have had my house in Foxboro for 24 years and have had my mortgage with Foxboro Federal from the beginning. Since that first loan they have helped me to make many home improvements and helped me to put four children through college. I cannot count the times I have refinanced or changed equity loans, but every time the rate has been the best and the employees have had the knowledgeable to point me in the right direction. Thank you Foxboro Federal and if you ever need a testimonial for an advertisement I will certainly volunteer”.

“I wouldn’t change banks due to the high level of customer service. One of the best banks I’ve had the pleasure of working with.”

“I would not go anywhere else for my banking needs!!”

“I compared many banks before taking out this loan. Your rates are highly competitive and I appreciate the personal attention available at your bank”.