Bank · FDIC insured
Franklin Savings Bank Savings Rates
Franklin Savings Bank’s best savings rate is 0.17% APY on $10,000, with its Lakes High Yield Savings. Rates checked October 22, 2026.
How Franklin Savings Bank’s savings 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
0.17%APY
- Minimum
- $100
- Earns on $10,000 a year
- $17
Lakes High Yield Savings
Top rate
Lighthouse Credit Union
3.85%APY
- Minimum
- —
- Earns on $10,000 a year
- $385
2nd-highest rate
Ledyard Bank
3.25%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $325
Franklin Savings Bank savings score
69
Savings score
Higher than 25% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.17%
- $100,000 balance$100,0002.25%
- QualifiedQualified0.17%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Lakes High Yield Savings
0.17%APY
Monthly service charge of $10 applies if daily balance falls below $2,500 during statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 0.17% | $17 |
| $50,000 – $100,000 | 1.60% | — |
| $100,000 – $250,000 | 2.25% | — |
| $250,000 – $500,000 | 3.15% | — |
| $500,000 and up | 3.35% | — |
Sources (3)
- fsbnh.bank/deposit-rates
- fsbnh.bank/kindness/lakeshighyield
- fsbnh.bank/personal-banking/sa…gs-money-market-accounts
All captured Oct 22, 2026
Money Market Advantage
Up to 0.07%APY
A $10.00 monthly service charge applies if daily balance falls below $2,500.00 at any time during the statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0A $10.00 monthly service charge applies if daily balance falls below $2,500.00 at any time during the statement cycle. | 0.05% | $5 | A $10.00 monthly service charge applies if daily balance falls below $2,500.00 at any time during the statement cycle. |
| $2,500 and upNo monthly service charge with daily balance of $2,500.00 or more. | 0.07% | $7 | No monthly service charge with daily balance of $2,500.00 or more. |
| $25,000 and upNo monthly service charge with daily balance of $2,500.00 or more. | 0.20% | — | No monthly service charge with daily balance of $2,500.00 or more. |
| $75,000 and upNo monthly service charge with daily balance of $2,500.00 or more. | 0.30% | — | No monthly service charge with daily balance of $2,500.00 or more. |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Variable Rate IRA Savings
3.25%APY
No fixed maturity date; variable rate of interest. Additional deposits permitted at any time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 3.25% | $325 |
| $15,000 and up | 3.25% | — |
| $50,000 and up | 3.25% | — |
Sources (2)
All captured Oct 22, 2026
Premium Health Savings Accounts (HSA)
Up to 1.50%APY
For individuals with a qualified high-deductible health plan. No monthly service charge if daily balance of $2,500 is maintained.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.50% | $50 |
| $1,000 and up | 0.50% | $50 |
| $2,500 and up | 1.00% | $100 |
| $10,000 and up | 1.50% | $150 |
| $25,000 and up | 2.00% | — |
Sources (2)
All captured Oct 22, 2026
Statement Savings
0.07%APY
Monthly service charge of $1 applies if daily balance falls below $100 ($10 minimum daily balance for individuals under 18 or over 62).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.05% | — |
| $5,000 and up | 0.07% | $7 |
Sources (2)
All captured Oct 22, 2026
Kids' Account
0.03%APY
For children 12 and under. Account must be opened at an FSB location.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.03% | $3 |
Sources (2)
All captured Oct 22, 2026
Closed to new customers
Lakes Plus Money Market
Up to 0.15%APY
Offered exclusively to FSB checking account customers. A $10 monthly service charge applies if daily balance falls below $2,500 at any time during the statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0A $10 monthly service charge applies if daily balance falls below $2,500 at any time during the statement cycle. | 0.10% | $10 | A $10 monthly service charge applies if daily balance falls below $2,500 at any time during the statement cycle. |
| $2,500 and upNo monthly service charge with daily balance of $2,500 or more. | 0.15% | $15 | No monthly service charge with daily balance of $2,500 or more. |
| $25,000 and upNo monthly service charge with daily balance of $2,500 or more. | 0.30% | — | No monthly service charge with daily balance of $2,500 or more. |
| $75,000 and upNo monthly service charge with daily balance of $2,500 or more. | 0.45% | — | No monthly service charge with daily balance of $2,500 or more. |
| $150,000 and upNo monthly service charge with daily balance of $2,500 or more. | 0.55% | — | No monthly service charge with daily balance of $2,500 or more. |
| $250,000 and upNo monthly service charge with daily balance of $2,500 or more. | 0.65% | — | No monthly service charge with daily balance of $2,500 or more. |
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.