Credit union · NCUA insured
Franklin-Somerset Federal Credit Union Savings Rates
Franklin-Somerset Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Share. Rates checked October 22, 2026.
How Franklin-Somerset Federal Credit Union’s savings 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
1.00%APY
- Requires
- None
- Minimum
- $1,500
- Earns on $10,000 a year
- $100
Money Market Share
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
Franklin-Somerset Federal Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.51%
- QualifiedQualified1.00%
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-Somerset 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.
Money Market Share
1.00%APY
Dividends compounded monthly when average daily balance meets or exceeds $1,500.00. Minimum withdrawal amount is $100.00. 3 free withdrawals per month; $1.00 fee for each withdrawal above 3.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 – $10,000Dividends compounded monthly. | 1.00% | $100 | Dividends compounded monthly. |
| $10,000 – $25,000Dividends compounded monthly. | 1.26% | — | Dividends compounded monthly. |
| $25,000 – $50,000Dividends compounded monthly. | 1.36% | — | Dividends compounded monthly. |
| $50,000 – $100,000Dividends compounded monthly. | 1.51% | — | Dividends compounded monthly. |
| Over $100,000Dividends compounded monthly. | 1.76% | — | Dividends compounded monthly. |
Share (savings)
0.10%APY
Credit union membership required with a $25.00 minimum share balance. Dividends compounded monthly on average daily balance meeting or exceeding $100.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,000Dividends compounded monthly. Minimum balance of $100.00 required to earn dividends. | 0.05% | — | Dividends compounded monthly. Minimum balance of $100.00 required to earn dividends. |
| Over $2,000Dividends compounded monthly. Minimum balance of $100.00 required to earn dividends. | 0.10% | $10 | Dividends compounded monthly. Minimum balance of $100.00 required to earn dividends. |
Money Market Share Draft
0.05%APY
Dividends compounded monthly when average daily balance meets or exceeds $1,500.00. Write up to 5 checks free per month; $1.00 fee for each check over 5. Minimum withdrawal amount is $100.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 and upDividends compounded monthly.$1,500 and up | 0.05% | $5 | Dividends compounded monthly. |
Special-purpose accounts
IRA Club
0.10%APY
IRA savings club account. Dividends compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded monthly. No required minimum balance.Any balance | 0.10% | $10 | Dividends compounded monthly. No required minimum balance. |
Youth Share
0.10%APY
For youth members. Minimum deposit of $1.00 establishes membership. Dividends earn monthly when average daily balance meets or exceeds $5.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Dividends compounded monthly. Required minimum balance of $5.00 to earn dividends and maintain account. | 0.05% | — | Dividends compounded monthly. Required minimum balance of $5.00 to earn dividends and maintain account. |
| Over $2,000Dividends compounded monthly. Required minimum balance of $5.00 to earn dividends and maintain account. | 0.10% | $10 | Dividends compounded monthly. Required minimum balance of $5.00 to earn dividends and maintain account. |
All Purpose Club
0.05%APY
Special savings club account for any savings needs. No minimum balance required and no withdrawal restrictions. Dividends earn monthly on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded monthly. No required minimum balance.Any balance | 0.05% | $5 | Dividends compounded monthly. No required minimum balance. |
Christmas Club
0.05%APY
Special savings club account. No minimum balance required and no withdrawal restrictions. Dividends earn monthly on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded monthly. No required minimum balance.Any balance | 0.05% | $5 | Dividends compounded monthly. No required minimum balance. |
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.