When looking for excellent rates on deposit products, look no further than Franklin First!

Rates effective August 1, 2025

Savings (Share) Accounts
Account Type Dividend Rate APY*
Regular Shares 0.05%** 0.05%**
Share (Savings) IRA 0.05%** 0.05%**
Money Market Accounts
Account Balance Dividend Rate APY*
$25 – $499.99 0.10%** 0.10%**
$500 – $24,999.99 0.25%** 0.25%**
$25,000-$49,999.99 0.35%** 0.35%**
$50,000-$74,999.99 0.45%** 0.45%**
$75,000 + 0.55%** 0.55%**
Term Certificates (CDs) & IRAs
Term Dividend Rate APY*
6 Month 3.25%* 3.30%*
10 Month 3.70%* 3.76%*
12 Month 3.25%* 3.30%*
15 Month 3.00%* 3.04%*
18 Month 3.00%* 3.04%*
24 Month 2.90%* 2.94%*
36 Month 2.90%* 2.94%*
48 Month 2.80%* 2.84%*
60 Month 2.80%* 2.84%*
Cash Rewards
Account Type APY* Account Balance
Rewards Checking 4.00% On balances up to $10,000
Rewards Checking 0.25% On balances over $10,000
Rewards Savings 0.55% On balances up to $25,000
Rewards Savings 0.25% On balances over $25,000
This is a variable rate account. The dividend rate and annual percentage rate may change at any time, as determined by the credit union board of directors.
Vacation Club
Account Type Dividend Rate APY*
Vacation Club 0.10%** 0.10%**
Frankie Fund
Account Type Dividend Rate APY*
Frankie Fund 0.10%** 0.10%**
Holiday Club
Account Type Dividend Rate APY*
Holiday Club 0.10%** 0.10%**
Pet Care Club
Account Type Dividend Rate APY*
Pet Care Club 0.10%** 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.

*10 Month Term is limited time only. 10 Month CDs will automatically rollover into a 12 Month Term, at maturity, if no action is taken.

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