Credit union · NCUA insured
Franklin-Somerset Federal Credit Union CD Rates
Franklin-Somerset Federal Credit Union’s best CD rate is 3.56% APY on a 1-year share certificate (CD). Terms run from 6 months to 7 years. Rates checked October 22, 2026.
How Franklin-Somerset Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Tampa, FL, where Franklin-Somerset Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Franklin-Somerset Federal Credit Union
3.56%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $356
Share Certificates
Top rate
Raymond James Bank
5.25%APY
- Term
- 60 months
- Minimum
- $2,000
- Earns on $10,000
- $2,915
2nd-highest rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
Franklin-Somerset Federal Credit Union CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo3.31%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.05%
- QualifiedQualified3.56%
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-Somerset 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.
Share Certificates
Up to 3.56%APY · 7 terms
Dividends compounded daily. Early withdrawal penalty applies. Fees could reduce earnings. Dividends paid monthly on daily balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded daily. Early withdrawal penalty applies | 3.31% | $164 |
| 12 monthsDividends compounded daily. Early withdrawal penalty applies | 3.56% | $356 |
| 18 monthsDividends compounded daily. Early withdrawal penalty applies | 3.30% | $499 |
| 24 monthsDividends compounded daily. Early withdrawal penalty applies | 3.30% | $671 |
| 36 monthsDividends compounded daily. Early withdrawal penalty applies | 3.05% | $943 |
| 60 monthsDividends compounded daily. Early withdrawal penalty applies | 2.84% | $1,503 |
| 84 monthsDividends compounded daily. Early withdrawal penalty applies | 2.02% | $1,503 |
Special-purpose accounts
IRA Share Certificates
Up to 3.56%APY · 7 terms
Includes Traditional, Roth, and Educational IRA Share Certificates. Dividends compounded daily and paid monthly on daily balance. Early withdrawal and IRS penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded daily. Early withdrawal and IRS penalties may apply | 3.31% | $164 |
| 12 monthsDividends compounded daily. Early withdrawal and IRS penalties may apply | 3.56% | $356 |
| 18 monthsDividends compounded daily. Early withdrawal and IRS penalties may apply | 3.30% | $499 |
| 24 monthsDividends compounded daily. Early withdrawal and IRS penalties may apply | 3.30% | $671 |
| 36 monthsDividends compounded daily. Early withdrawal and IRS penalties may apply | 3.05% | $943 |
| 60 monthsDividends compounded daily. Early withdrawal and IRS penalties may apply | 2.84% | $1,503 |
| 84 monthsDividends compounded daily. Early withdrawal and IRS penalties may apply | 2.02% | $1,503 |
Who can join Franklin-Somerset 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 in Franklin or Somerset counties.
- Eligibility is open to individuals who work in Franklin or Somerset counties.
Membership information collected October 4, 2026.