Credit union · NCUA insured
Franklin Mint Federal Credit Union Savings Rates
Top CarrotFranklin Mint Federal Credit Union’s best savings rate is 3.00% APY on $10,000, with its POWER Savings. Rates checked October 16, 2026.
How Franklin Mint Federal Credit Union’s savings 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
3.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $300
POWER Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Comenity Capital Bank
4.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $405
Franklin Mint Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0003.00%
- $100,000 balance$100,0003.00%
- QualifiedQualified3.00%
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 Mint Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
POWER Savings
3.00%APY
No minimum balance requirement. Free unlimited deposits. One free monthly withdrawal; $25 fee for each additional monthly withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000One free monthly withdrawal; $25 fee for each additional monthly withdrawal. | 0.10% | — | One free monthly withdrawal; $25 fee for each additional monthly withdrawal. |
| $5,000 – $10,000One free monthly withdrawal; $25 fee for each additional monthly withdrawal. | 1.50% | — | One free monthly withdrawal; $25 fee for each additional monthly withdrawal. |
| $10,000 and upOne free monthly withdrawal; $25 fee for each additional monthly withdrawal. | 3.00% | $300 | One free monthly withdrawal; $25 fee for each additional monthly withdrawal. |
Sources (3)
- fmfcu.org/personal-banking/accounts/saving-accounts
- fmfcu.org/rates
- fmfcu.org/wp-content/uploads/2…-Fee-Schedule-7-1-26.pdf
All captured Oct 16, 2026
Money Market Account
0.50%APY
Dividends are compounded daily and posted monthly. Variable rates subject to change. Unlimited transactions and check writing ability. $10 monthly fee waived if minimum balance of $1,000 is maintained.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Variable dividend rate. $10 monthly fee applies if average daily balance falls below $1,000. | 0.40% | — | Variable dividend rate. $10 monthly fee applies if average daily balance falls below $1,000. |
| $10,000 – $24,999Variable dividend rate. $10 monthly fee applies if average daily balance falls below $1,000. | 0.50% | $50 | Variable dividend rate. $10 monthly fee applies if average daily balance falls below $1,000. |
| $25,000 – $49,999Variable dividend rate. $10 monthly fee applies if average daily balance falls below $1,000. | 0.60% | — | Variable dividend rate. $10 monthly fee applies if average daily balance falls below $1,000. |
| $50,000 – $99,999Variable dividend rate. $10 monthly fee applies if average daily balance falls below $1,000. | 0.70% | — | Variable dividend rate. $10 monthly fee applies if average daily balance falls below $1,000. |
| $100,000 – $499,999Variable dividend rate. $10 monthly fee applies if average daily balance falls below $1,000. | 0.80% | — | Variable dividend rate. $10 monthly fee applies if average daily balance falls below $1,000. |
| $500,000 and upVariable dividend rate. $10 monthly fee applies if average daily balance falls below $1,000. | 1.00% | — | Variable dividend rate. $10 monthly fee applies if average daily balance falls below $1,000. |
Super Saver Savings
0.10%APY
No minimum balance or monthly service fees. Features split rate tiers. Dividends are compounded and posted monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 1.00% | — |
| Over $500 | 0.10% | $10 |
Sources (2)
All captured Oct 16, 2026
Statement Savings
0.10%APY
No minimum balance or monthly service fees. Dividends are compounded and posted monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Cub Account
0.10%APY
Berenstain Bears Financial Literacy Program Cub Account is open to newborns through 10 years of age. Membership eligibility applies.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500For newborns through 10 years of age. | 3.00% | — | For newborns through 10 years of age. |
| Over $500For newborns through 10 years of age. | 0.10% | $10 | For newborns through 10 years of age. |
Sources (3)
- fmfcu.org/personal-banking/accounts/saving-accounts
- fmfcu.org/rates
- fmfcu.org/personal-banking/accounts/cub-account
All captured Oct 16, 2026
Holiday e-Club
0.10%APY
No monthly fees. Only offered through electronic deposit (payroll deduction, direct deposit, Online Banking, PAT). Year round deposits with withdrawals made between October 1 and December 31 each year.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Only offered through electronic deposit (payroll deduction, direct deposit, Online Banking, PAT). Withdrawals made between October 1 and December 31 each year. | 1.00% | — | Only offered through electronic deposit (payroll deduction, direct deposit, Online Banking, PAT). Withdrawals made between October 1 and December 31 each year. |
| $2,500 and upOnly offered through electronic deposit (payroll deduction, direct deposit, Online Banking, PAT). Withdrawals made between October 1 and December 31 each year. | 0.10% | $10 | Only offered through electronic deposit (payroll deduction, direct deposit, Online Banking, PAT). Withdrawals made between October 1 and December 31 each year. |
Sources (2)
All captured Oct 16, 2026
Vacation e-Club
0.10%APY
No monthly fees. Only offered through electronic deposit (payroll deduction, direct deposit, Online Banking, PAT). Year round deposits and withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Only offered through electronic deposit (payroll deduction, direct deposit, Online Banking, PAT). | 1.00% | — | Only offered through electronic deposit (payroll deduction, direct deposit, Online Banking, PAT). |
| $2,500 and upOnly offered through electronic deposit (payroll deduction, direct deposit, Online Banking, PAT). | 0.10% | $10 | Only offered through electronic deposit (payroll deduction, direct deposit, Online Banking, PAT). |
Sources (2)
All captured Oct 16, 2026
Coverdell Education Savings Account
0.50%APY
Tax-free earnings. $2,000 annual contribution limit per child. Penalty-free withdrawals for qualified education expenses. Variable rate with low minimum balance requirements. Annual fee of $15 waived with minimum $500 balance as of December 31.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upAnnual fee of $15 waived with minimum $500 balance as of December 31. $2,000 annual contribution limit per child. Tax-free distributions for qualified education expenses.$5 and up | 0.50% | $50 | Annual fee of $15 waived with minimum $500 balance as of December 31. $2,000 annual contribution limit per child. Tax-free distributions for qualified education expenses. |
Individual Retirement Account (IRA) Variable Rate
0.50%APY
No set-up fees. $5 minimum to open. Annual fee of $15 waived with minimum $500 balance as of December 31. Variable rate IRAs with no term. Includes Traditional and Roth IRAs.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upAnnual fee of $15 waived with minimum $500 balance as of December 31. Applies to Traditional and Roth (Conversion/Contribution) IRAs.$5 and up | 0.50% | $50 | Annual fee of $15 waived with minimum $500 balance as of December 31. Applies to Traditional and Roth (Conversion/Contribution) IRAs. |
Sources (3)
- fmfcu.org/personal-banking/accounts/ira-account
- fmfcu.org/rates
- fmfcu.org/wp-content/uploads/2…-Fee-Schedule-7-1-26.pdf
All captured Oct 16, 2026
Holiday Club
0.10%APY
No monthly fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 16, 2026
Vacation Club
0.10%APY
No monthly fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
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.