Credit union · NCUA insured
Franklin Trust Federal Credit Union CD Rates
Top CarrotFranklin Trust Federal Credit Union’s best CD rate is 3.35% APY on a 2-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 22, 2026.
How Franklin Trust Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Hartford, CT, where Franklin Trust Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Franklin Trust Federal Credit Union
3.35%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $681
Regular Certificates
Top rate
Connecticut State Police Credit Union
4.86%APY
- Term
- 120 months
- Minimum
- $500
- Earns on $10,000
- $6,065
2nd-highest rate
Nutmeg State Financial Credit Union
4.60%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $539
Franklin Trust Federal Credit Union CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.35%
- QualifiedQualified3.35%
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 Trust 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.
Regular Certificates
Up to 3.35%APY · 9 terms
Minimum balance on all share certificates: $1,000. Interest paid monthly. Substantial penalty for early withdrawal. 0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.25% | $325 |
| 18 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.25% | $491 |
| 24 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.35% | $681 |
| 30 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.35% | $859 |
| 36 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.35% | $1,039 |
| 42 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.35% | $1,222 |
| 48 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.35% | $1,409 |
| 54 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.35% | $1,598 |
| 60 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.35% | $1,791 |
Sources (1)
- franklintrust.org/rates/deposits · captured Oct 22, 2026
Special-purpose accounts
IRA Certificates
Up to 3.35%APY · 9 terms
Minimum balance on all share certificates: $1,000. Interest paid monthly. Substantial penalty for early withdrawal. 0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over. Options include Traditional IRA, Roth IRA, and Educational IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.25% | $325 |
| 18 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.25% | $491 |
| 24 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.35% | $681 |
| 30 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.35% | $859 |
| 36 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.35% | $1,039 |
| 42 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.35% | $1,222 |
| 48 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.35% | $1,409 |
| 54 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.35% | $1,598 |
| 60 months0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over | 3.35% | $1,791 |
Who can join Franklin Trust 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
- Membership is open to anyone living, working, worshiping, or attending school in Hartford County, Connecticut.
Cost to join
- Membership requires starting with $25 in savings.
Membership information collected October 4, 2026.