Franklin Mint Federal Credit Union CD Rates

How Franklin Mint Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Franklin Mint Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Franklin Mint Federal Credit Union
4.35%APY
Term
18 months
Requires
None
Minimum
$500
Earns on $10,000
$660
Certificates
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
Term
6 months
Requires
Another account
Minimum
$500
Earns on $10,000
$247
Monroe Savings Bank (Williamstown, NJ) rates
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
Term
7 months
Requires
Another account
Minimum
$500
Earns on $10,000
$289
First Financial Federal Credit Union rates

Compare CD rates near you →

CD score

Higher than 83% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.70%
9–15 months9–15 mo4.00%
16–30 months16–30 mo4.35%
31–60 months31–60 mo3.40%
QualifiedQualified4.35%

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.

How the score works →

Where Franklin Mint Federal Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Special-purpose accounts

Certificates

Up to 4.35%APY · 9 termsAge limitsFrom $500 to open

Membership eligibility applies. Minimum deposit is $500 for consumers and $250 for members under 18. Penalty may be imposed for early withdrawal.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 monthsMinimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	3.50%	$86
6 monthsMinimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	3.70%	$183
9 monthsMinimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	4.00%	$299
12 monthsMinimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	3.70%	$370
18 monthsMinimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	4.35%	$660
24 months24 Month Bump Certificate. Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	4.05%	$826
24 monthsTwo-year term and rate only available on personal certificates. Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	4.30%	$878
36 monthsMinimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	3.40%	$1,055
48 monthsMinimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	3.40%	$1,431
60 months60 Month Take Control. No longer offered for new accounts as of 2/1/2023. Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	2.50%	$1,314
60 monthsMinimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	3.40%	$1,820

Sources (2)

All captured Oct 16, 2026

IRA Certificates

Up to 4.35%APY · 9 termsIRAFrom $500 to open

All certificate terms are available for IRA investments (including Traditional, Roth, and Coverdell). Annual fee of $15 applies if balance is under $500 as of December 31. Penalty may be imposed for early withdrawal.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 monthsAnnual fee waived with minimum $500 balance as of December 31. Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	3.50%	$86
6 monthsAnnual fee waived with minimum $500 balance as of December 31. Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	3.70%	$183
9 monthsAnnual fee waived with minimum $500 balance as of December 31. Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	4.00%	$299
12 monthsAnnual fee waived with minimum $500 balance as of December 31. Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	3.70%	$370
18 monthsAnnual fee waived with minimum $500 balance as of December 31. Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	4.35%	$660
24 months24 Month Bump Certificate. Annual fee waived with minimum $500 balance as of December 31. Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	4.05%	$826
24 monthsTwo-year term and rate only available on personal certificates. Annual fee waived with minimum $500 balance as of December 31. Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	4.30%	$878
36 monthsAnnual fee waived with minimum $500 balance as of December 31. Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	3.40%	$1,055
48 monthsAnnual fee waived with minimum $500 balance as of December 31. Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	3.40%	$1,431
60 months60 Month Take Control. No longer offered for new accounts as of 2/1/2023. Annual fee waived with minimum $500 balance as of December 31. Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	2.50%	$1,314
60 monthsAnnual fee waived with minimum $500 balance as of December 31. Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal	3.40%	$1,820

Sources (4)

All captured Oct 16, 2026

Who can join Franklin Mint Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Eligibility is open to individuals who live, work, worship, volunteer, attend school, or regularly conduct business, along with businesses and organizations, in specific areas of PA and DE: portions of Philadelphia, Delaware and New Castle Counties, the Borough of West Chester, or Norristown.

Employers and groups

Eligibility is open to employees, volunteers, students, or members of a Select Employee Group, an affiliated Association, Organization, or School.

Family and household

Eligibility is open to a relative or household member of a current FMFCU member or eligible individual, where immediate family includes spouse, (step)parent, (step)child, (step)sibling, grandparent, grandchild, or domestic partner.

Other ways

Eligibility is open to members of the FMFCU Foundation.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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