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

Rates effective - March 17, 2021

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 - April 1, 2021

DepositDividend RateAPY*
$25 – $499.990.05%**0.05%**
$500 – $24,999.990.10%**0.10%**
$25,000-$49,999.990.10%**0.10%**
$50,000-$74,999.990.15%**0.15%**

*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)

DepositDividend RateAPY*
6 Month0.10%**0.10%**
12 Month0.20%**0.20%**
15 Month0.20%**0.20%**
18 Month0.25%**0.25%**
24 Month0.30%**0.30%**
36 Month0.45%**0.45%**
48 Month0.55%**0.55%**
60 Month0.70%**0.70%**

*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*
Christmas 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.
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**The rate may change after the account is opened

IRAs (Traditional, ROTH & Educational)

DepositDividend RateAPY*
Share (Savings) IRA0.05%**0.05%**
6 Month0.10%**0.10%**
12 Month0.20%**0.20%**
15 Month0.20%**0.20%**
18 Month0.25%**0.25%**
24 Month0.30%**0.30%**
36 Month0.45%**0.45%**
48 Month0.55%**0.55%**
60 Month0.70%**0.70%**

*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) 264-5578.