Bank · FDIC insured
Franklin Savings Bank CD Rates
Franklin Savings Bank’s best CD rate is 3.65% APY on a 14-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Franklin Savings Bank’s CD rates compare
Compared with banks and credit unions in Maine, where Franklin Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Franklin Savings Bank
3.65%APY
- Term
- 14 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $427
Certificates of Deposit
Top rate
Northeast Bank
4.55%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $455
2nd-highest rate
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Franklin Savings Bank CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo1.50%
- QualifiedQualified3.65%
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 Savings 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 3.65%APY · 7 terms
Interest is compounded and credited monthly on a 365/365 day basis. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.30% | $164 |
| 12 months | 3.45% | $345 |
| 14 monthsNew money only | 3.65% | $427 |
| 18 months | 3.40% | $514 |
| 24 months | 3.25% | $661 |
| 36 months | 1.50% | $457 |
| 60 months | 1.00% | $510 |
Sources (2)
- franklinsavings.bank/personal-banking/savings/cd-ira
- franklinsavings.bank/personal-…ng/savings/deposit-rates
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 3.45%APY · 5 terms
Available as Traditional, Roth, or Coverdell ESA options. IRAs available for same rates and terms as 1-5 year Certificates (with the exception of our 13-month Certificate). Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.45% | $345 |
| 18 months | 3.40% | $514 |
| 18 monthsEarns interest at a variable rate; rate and APY may change at any time | 3.40% | $514 |
| 24 months | 3.25% | $661 |
| 36 months | 1.50% | $457 |
| 60 months | 1.00% | $510 |
Sources (2)
- franklinsavings.bank/personal-banking/savings/cd-ira
- franklinsavings.bank/personal-…ng/savings/deposit-rates
All captured Oct 15, 2026
My Ca$h Sta$h 1-Year Certificate of Deposit
3.45%APY · 1 term
Youth Accounts. Early withdrawal penalty applies to CDs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.45% | $345 |
Sources (1)
- franklinsavings.bank/personal-…ng/savings/deposit-rates · 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.