Bank · FDIC insured
Bank of Franklin County Savings Rates
Bank of Franklin County’s best savings rate is 0.05% APY on $10,000, with its Patriot Money Market. Rates checked October 16, 2026.
How Bank of Franklin County’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Bank of Franklin County has the most branches. $10,000, best rate first.
This bank’s best
Bank of Franklin County
0.05%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $5
BFC Premier Savings
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
Bank of Franklin County savings score
62
Savings score
Higher than 7% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.35%
- QualifiedQualified0.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bank of Franklin County ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Patriot Money Market
0.05%APY
Tiered rate account. Monthly service charge of $10 applies if daily balance falls below $1,000 any day of the statement cycle. Transaction limit of six withdrawals or transfers per monthly statement cycle applies.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $49,999Service charge of $10 imposed each monthly statement cycle if the daily balance falls below $1,000 any day of the cycle. | 0.05% | $5 | Service charge of $10 imposed each monthly statement cycle if the daily balance falls below $1,000 any day of the cycle. |
| $50,000 – $99,999Service charge of $10 imposed each monthly statement cycle if the daily balance falls below $1,000 any day of the cycle. | 0.35% | — | Service charge of $10 imposed each monthly statement cycle if the daily balance falls below $1,000 any day of the cycle. |
| $100,000 and upService charge of $10 imposed each monthly statement cycle if the daily balance falls below $1,000 any day of the cycle. | 0.35% | — | Service charge of $10 imposed each monthly statement cycle if the daily balance falls below $1,000 any day of the cycle. |
Sources (2)
All captured Sep 17, 2026
BFC Premier Savings
0.05%APY
Only available to Premier Checking account customers.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $49,999Must have Premier Checking Account. Interest compounds monthly. | 0.05% | $5 | Must have Premier Checking Account. Interest compounds monthly. |
| $50,000 and upMust have Premier Checking Account. Interest compounds monthly. | 0.05% | — | Must have Premier Checking Account. Interest compounds monthly. |
Sources (2)
All captured Sep 17, 2026
Freedom Savings
0.05%APY
Personal savings account. Interest is paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $49,999Interest paid quarterly. No maintenance fees. | 0.05% | $5 | Interest paid quarterly. No maintenance fees. |
| $50,000 and upInterest paid quarterly. No maintenance fees. | 0.05% | — | Interest paid quarterly. No maintenance fees. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Club Account
Up to 0.10%APY
Helps schedule monthly savings for specific goals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceWith auto deposit.Any balance | 0.10% | $10 | With auto deposit. |
| Any balanceStandard rate without auto deposit.Any balance | 0.05% | $5 | Standard rate without auto deposit. |
Sources (2)
All captured Sep 17, 2026
Franklin Jr. Savings
0.10%APY
Designed for children and young adults less than 23 years of age.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDesigned for children/young adults less than 23 years of age. Preferred rate, no minimum balance, no maintenance fee.Any balance | 0.10% | $10 | Designed for children/young adults less than 23 years of age. Preferred rate, no minimum balance, no maintenance fee. |
Sources (2)
All captured Sep 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.