Bank · FDIC insured
Franklin Bank CD Rates
Franklin Bank’s best CD rate is 3.30% APY on a 15-month CD. Terms run from 3 months to 7 years. Rates checked October 22, 2026.
How Franklin Bank’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Franklin Bank has the most branches. $10,000, best rate first.
This bank’s best
Franklin Bank
3.30%APY
- Term
- 15 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $414
Certificates of Deposit
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Franklin Bank CD score
65
CD score
Higher than 15% of U.S. banks and credit unions
- 3–8 months3–8 mo3.04%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo0.32%
- 31–60 months31–60 mo0.55%
- QualifiedQualified3.30%
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 Franklin Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.30%APY · 14 terms
An early withdrawal penalty may apply. Rates subject to change without notice. Simple: 365 / 365 interest calculation.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMonthly crediting. Simple: 365 / 365. Early withdrawal penalty may apply | 0.15% | $4 |
| 6 monthsMonthly crediting. Simple: 365 / 365. Early withdrawal penalty may apply | 3.04% | $151 |
| 9 monthsMonthly crediting. Simple: 365 / 365. Early withdrawal penalty may apply | 0.25% | $19 |
| 12 monthsMonthly crediting. Simple: 365 / 365. Early withdrawal penalty may apply | 2.27% | $227 |
| 13 monthsMonthly crediting. Simple: 365 / 365. Early withdrawal penalty may apply | 0.25% | $27 |
| 15 monthsMonthly crediting. Simple: 365 / 365. Early withdrawal penalty may apply | 3.30% | $414 |
| 18 monthsMonthly crediting. Simple: 365 / 365. Early withdrawal penalty may apply | 0.30% | $45 |
| 24 monthsMonthly crediting. Simple: 365 / 365. Early withdrawal penalty may apply | 0.30% | $60 |
| 30 monthsMonthly crediting. Simple: 365 / 365. Early withdrawal penalty may apply | 0.32% | $80 |
| 33 monthsMonthly crediting. Simple: 365 / 365. Early withdrawal penalty may apply | 0.35% | $97 |
| 36 monthsMonthly crediting. Simple: 365 / 365. Early withdrawal penalty may apply | 0.40% | $120 |
| 48 monthsMonthly crediting. Simple: 365 / 365. Early withdrawal penalty may apply | 0.45% | $181 |
| 60 monthsMonthly crediting. Simple: 365 / 365. Early withdrawal penalty may apply | 0.55% | $278 |
| 84 monthsMonthly crediting. Simple: 365 / 365. Early withdrawal penalty may apply | 0.65% | $464 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA CD
Up to 3.30%APY · 10 terms
IRS penalty for early withdrawal may be imposed. An early withdrawal penalty may apply. Rates subject to change without notice. Compound Daily: 365 / 365 interest calculation. Traditional IRA and Roth IRA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsQuarterly crediting. Compound Daily: 365 / 365. IRS penalty and early withdrawal penalty may apply | 0.25% | $19 |
| 12 monthsQuarterly crediting. Compound Daily: 365 / 365. IRS penalty and early withdrawal penalty may apply | 2.28% | $228 |
| 13 monthsQuarterly crediting. Compound Daily: 365 / 365. IRS penalty and early withdrawal penalty may apply | 0.25% | $27 |
| 15 monthsQuarterly crediting. Compound Daily: 365 / 365. IRS penalty and early withdrawal penalty may apply | 3.30% | $414 |
| 18 monthsQuarterly crediting. Compound Daily: 365 / 365. IRS penalty and early withdrawal penalty may apply | 0.30% | $45 |
| 24 monthsQuarterly crediting. Compound Daily: 365 / 365. IRS penalty and early withdrawal penalty may apply | 0.30% | $60 |
| 30 monthsQuarterly crediting. Compound Daily: 365 / 365. IRS penalty and early withdrawal penalty may apply | 0.32% | $80 |
| 36 monthsQuarterly crediting. Compound Daily: 365 / 365. IRS penalty and early withdrawal penalty may apply | 0.40% | $120 |
| 48 monthsQuarterly crediting. Compound Daily: 365 / 365. IRS penalty and early withdrawal penalty may apply | 0.45% | $181 |
| 60 monthsQuarterly crediting. Compound Daily: 365 / 365. IRS penalty and early withdrawal penalty may apply | 0.55% | $278 |
Sources (2)
All captured Oct 15, 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.