Bank · FDIC insured
Franklin Savings Bank CD Rates
Franklin Savings Bank’s best CD rate is 4.10% APY on a 15-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Franklin Savings Bank’s CD rates compare
Compared with banks and credit unions near Concord, NH, where Franklin Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Franklin Savings Bank
4.10%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $515
CD Specials
Top rate
Walden Mutual
4.75%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $973
2nd-highest rate
St. Mary's Bank
4.35%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $660
Franklin Savings Bank CD score
82
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.25%
- QualifiedQualified4.10%
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.
CD Specials
Up to 4.10%APY · 2 terms
$500.00 minimum deposit to open this account and obtain the stated APY. Annual percentage yield is effective 10/1/26. Rates are subject to change without notice. Penalty may be assessed for early withdrawal. Fees and withdrawals could reduce earnings. Not available as an IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months$500.00 minimum deposit to open this account and obtain stated APY. Not available as an IRA. Early withdrawal penalty may apply. Fees and withdrawals could reduce earnings | 3.75% | $155 |
| 15 months$500.00 minimum deposit to open this account and obtain stated APY. Not available as an IRA. Early withdrawal penalty may apply. Fees and withdrawals could reduce earnings | 4.10% | $515 |
Sources (2)
All captured Oct 22, 2026
Standard CD Products
Up to 3.50%APY · 6 terms
$500.00 minimum deposit. Early withdrawal penalty may apply. Fees and withdrawals could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.00% | $74 |
| 6 months | 3.25% | $161 |
| 12 months | 3.50% | $350 |
| 24 months | 2.50% | $506 |
| 36 months | 2.25% | $690 |
| 60 months | 2.00% | $1,041 |
Sources (2)
All captured Oct 22, 2026
5 Year Smart CD
1.75%APY · 1 term
$100.00 minimum deposit to open this account and obtain the stated APY. Annual percentage yield is effective 10/1/26. Rates are subject to change without notice. Deposits can be made to the account and early withdrawl penalties are waived for qualified educational expenses. Penalty may be assessed for early withdrawals that do not qualify. Fees and withdrawals could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsEarly withdrawal penalties waived for qualified educational expenses. Additional deposits can be made at any time | 1.75% | $906 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Fixed Rate IRA
Up to 3.50%APY · 5 terms
Minimum deposit to open a Fixed Rate IRA is $500.00 for any term under 5 Years. Choose from the Certificates of Deposit term options for a Fixed Rate IRA. Terms of 182 Days, 1, 2, 3 and 5 Years available for Traditional/Roth IRA. Traditional/Roth opening deposit amounts stated on product page: $1,000.00 for any term under 3 Years; $500.00 for 3 through 5 Year terms ($500.00 on rate schedule for terms under 5 Years). CD Specials not available as an IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsChoose from Certificates of Deposit term options for Fixed Rate IRA. Minimum opening deposit $500.00 (rate schedule footnote) or $1,000.00 (IRA product page for terms under 3 years) | 3.25% | $161 |
| 12 monthsChoose from Certificates of Deposit term options for Fixed Rate IRA. Minimum opening deposit $500.00 (rate schedule footnote) or $1,000.00 (IRA product page for terms under 3 years) | 3.50% | $350 |
| 24 monthsChoose from Certificates of Deposit term options for Fixed Rate IRA. Minimum opening deposit $500.00 (rate schedule footnote) or $1,000.00 (IRA product page for terms under 3 years) | 2.50% | $506 |
| 36 monthsChoose from Certificates of Deposit term options for Fixed Rate IRA. Minimum opening deposit $500.00 | 2.25% | $690 |
| 60 monthsChoose from Certificates of Deposit term options for Fixed Rate IRA. Minimum opening deposit $500.00 | 2.00% | $1,041 |
Sources (2)
All captured Oct 22, 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.