When you’re looking for excellent rates on deposit products, look no further than Franklin First for competitive rates. 

Rates effective June 8, 2023.

Please note: All share and term accounts use the average daily balance method for dividend calculation. 
Dividends are posted and compounded monthly.

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Savings (Share) Accounts

DepositDividend RateAPY*
Regular Shares0.05%**0.05%**

*Annual Percentage Yield. All share and term accounts use the average daily balance method for dividend calculation. Dividends are posted and compounded monthly.

**The rate may change after the account is opened

Money Market Accounts

Rates effective - June 8, 2023

DepositDividend RateAPY*
$25 – $499.990.05%**0.05%**
$500 – $24,999.990.20%**0.20%**
$25,000-$49,999.990.30%**0.30%**
$50,000-$74,999.990.40%**0.40%**
$75,000 +0.50%**0.50%**

*Annual Percentage Yield. All share and term accounts use the average daily balance method for dividend calculation. Dividends are posted and compounded monthly.
**The rate may change after the account is opened

Term Certificates (Certificates of Deposit)

Rates effective - June 8, 2023

DepositDividend RateAPY*
6 Month0.70%**0.70%**
12 Month0.90%**0.90%**
15 Month4.00%**4.07%**
18 Month4.00%**4.07%**
24 Month2.05%**2.07%**
36 Month2.20%**2.22%**
48 Month2.20%**2.22%**
60 Month2.40%**2.43%**

*Annual Percentage Yield. All share and term accounts use the average daily balance method for dividend calculation. Dividends are posted and compounded monthly.

**Term Certificates require a $500 minimum deposit.

Vacation Club

DepositDividend RateAPY*
Vacation Club0.10%**0.10%**

*Annual Percentage Yield. All share and term accounts use the average daily balance method for dividend calculation. Dividends are posted and compounded monthly.
**The rate may change after the account is opened

Kids Club

DepositDividend RateAPY*
Kids Club0.10%**0.10%**

*Annual Percentage Yield. All share and term accounts use the average daily balance method for dividend calculation. Dividends are posted and compounded monthly.
**The rate may change after the account is opened

Holiday Club

DepositDividend RateAPY*
Holiday Club0.10%**0.10%**

*Annual Percentage Yield. All share and term accounts use the average daily balance method for dividend calculation. Dividends are posted and compounded monthly.
**The rate may change after the account is opened

Pet Care Club

DepositDividend RateAPY*
Pet Care Club0.10%**0.10%**

*Annual Percentage Yield. All share and term accounts use the average daily balance method for dividend calculation. Dividends are posted and compounded monthly.
**The rate may change after the account is opened

IRAs (Traditional, ROTH & Educational)

DepositDividend RateAPY*
Share (Savings) IRA0.05%**0.05%**
6 Month0.70%**0.70%**
12 Month0.90%**0.90%**
15 Month2.60%**2.63%**
18 Month1.75%**1.76%**
24 Month2.05%**2.07%**
36 Month2.20%**2.22%**
48 Month2.20%**2.22%**
60 Month2.40%**2.43%**

*Annual Percentage Yield. All share and term accounts use the average daily balance method for dividend calculation. Dividends are posted and compounded monthly.
**Fees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawals.

To report a lost or stolen Franklin First VISA credit card, call: (800) 449-7728From outside the U.S. call: (727) 299-2449.

To report a lost or stolen Franklin First ATM or Debit/Check Card during regular business hours call: (413) 774-6700.  After hours call: (800) 472-3272