NOTICE: Beginning April 8th, our Central Street entrance at our Main Office in Franklin will be temporarily inaccessible. Our parking lot entrance and lobby will remain open. We invite you to use the ATM machine at our 933 Central Street, Franklin location. Or you may access cash from over 55,000 fee-free ATMs using the Allpoint Network. The Allpoint app is available for download in the Apple or Google Play Stores. https://www.fsbnh.bank/personal-banking/allpoint-atms/ . For more information on the renovation click here.

HOLIDAY NOTICE: All Franklin Savings Bank offices will be closed on Wednesday, June 19th in observance of Juneteenth. Our Online and Mobile Banking services are available 24/7 so you can bank at your convenience. Click here to learn more.

NOTICE: Due to inclement weather, all Franklin Savings Bank locations will be closed on Thursday, April 4th. Feel free to check back here, or on our Facebook and Instagram pages, for udpates. Our Online and Mobile Banking services are available 24/7 so you can bank anytime.

NOTICE: Beginning April 8th, our Central Street entrance at our Main Office in Franklin will be temporarily inaccessible. Our parking lot entrance and lobby will remain open. We invite you to use the ATM machine at our 933 Central Street, Franklin location. Or you may access cash from over 55,000 fee-free ATMs using the Allpoint Network. The Allpoint app is available for download in the Apple or Google Play Stores. https://www.fsbnh.bank/personal-banking/allpoint-atms/ 

Deposit Rates

Designed with you in mind.

Effective Date: June 13, 2024

 

Make the most of your short-term investment with these great rates!

 

Product APY* Interest Rate Minimum / Maximum Deposits (if applicable)
10 Month CD** 4.75% 4.65% $2,000 Minimum Deposit to earn APY
13 Month IRA¹ 4.50% 4.41% $1,000 Minimum Deposit to open and earn APY

APPLY NOW

 

*Annual Percentage Yield. A substantial penalty is imposed on premature withdrawals from certificates of deposits. Depositors are insured for up to $250,000 by the Federal Deposit Insurance Corporation (FDIC). Fees may reduce earnings. For complete details on any of our deposit products, contact a Personal Banker for assistance at 603.934.4445 or 1.800.372.4445.

**The 10 month CD is not available as an IRA. A $2,000 minimum deposit is required to open this account and obtain the stated APY. Annual percentage yield is effective 5/1/24. Rates are subject to change without notice. Penalty may be assessed for early withdrawal. Fees and withdrawals could reduce earnings.

¹The 13 month IRA is only available as an IRA and cannot be upgraded to another IRA product. A $1,000 minimum deposit is required to open this account and obtain the stated APY. Annual percentage yield is effective 4/1/24. Rates are subject to change without notice. Penalty may be assessed for early withdrawal. Fees and withdrawals could reduce earnings.

 

Effective Date: June 13, 2024

Current CD Specials APY* Interest Rate Minimum Balance to Earn APY
10 Month CD¹ 4.75% 4.65% $2,000.00

 

Standard CD Products APY* Interest Rate Minimum Balance to Earn APY
7 Day 0.05% 0.05% $5,000.00
10 Day 0.08% 0.08% $5,000.00
91 Day 0.05% 0.05% $2,000.00
0.08% 0.08% $10,000.00
182 Day 0.05% 0.05% $2,000.00
0.10% 0.10% $10,000.00
One Year 0.12% 0.12% $2,000.00
0.15% 0.15% $10,000.00
Two Year 0.20% 0.20% $2,000.00
0.25% 0.25% $10,000.00
Three Year 0.30% 0.30% $1,000.00
Five Year 0.40% 0.40% $1,000.00 Minimum deposit
Five Year Smart CD 0.15% 0.15% $100.00

 

 

*Annual Percentage Yield. A substantial penalty is imposed on premature withdrawals from certificates of deposits. Depositors are insured for up to $250,000 by the Federal Deposit Insurance Corporation (FDIC). Fees may reduce earnings. For complete details on any of our deposit products, contact a Personal Banker for assistance at 603.934.4445 or 1.800.372.4445.

**Rates are subject to change without notice.

¹The 10 month CD is not available as an IRA. A $2,000 minimum deposit is required to open this account and obtain the stated APY. Annual percentage yield is effective 5/1/24. Rates are subject to change without notice. Penalty may be assessed for early withdrawal. Fees and withdrawals could reduce earnings.

The 13 month IRA special is not available as a CD.


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Effective Date: June 13, 2024

Current IRA Specials APY* Interest Rate Minimum Balance to Earn APY
13 Month IRA¹ 4.50% 4.41% $1,000.00

 

Standard IRA Products APY* Interest Rate Minimum Balance to Earn APY
Variable Rate IRA 0.20% 0.20% $50,000.00
0.15% 0.15% $15,000.00
0.10% 0.10% $10.00

Minimum deposit to open a Fixed Rate IRA is $500 for 3- through 5-Year terms and $1,000 for any term under 3 Years.  Choose from the Certificates of Deposit term options for a Fixed Rate IRA.

* Annual Percentage Yield. APYs for deposit instruments with no maturities or maturities of less than one year assume reinvestment at original rate for one year. Interest is earned and compounded monthly. Interest rates are subject to change without notice. Regular fees or other conditions could reduce the yield. For details, review our Truth in Savings Disclosures.

¹The 13 month IRA is only available as an IRA and cannot be upgraded to another IRA product. A $1,000 minimum deposit is required to open this account and obtain the stated APY. Annual percentage yield is effective 4/1/24. Rates are subject to change without notice. Penalty may be assessed for early withdrawal. Fees and withdrawals could reduce earnings.

The 8 month CD is not available as an IRA.

 

 

Effective Date: June 13, 2024

Product APY* Interest Rate Minimum Balance to Earn APY
Lakes Money Market Plus – with FSB Checking 0.65% 0.65% $250,000.00+
0.55% 0.55% $150,000.00
0.45% 0.45% $75,000.00
0.30% 0.30% $25,000.00
0.15% 0.15% $2,500.00
0.10% 0.10% $0.01
Money Market Advantage 0.30% 0.30% $75,000.00+
0.20% 0.20% $25,000.00
0.07% 0.07% $2,500.00
0.05% 0.05% $0.01

* Annual Percentage Yield. Fees may be reducing earnings.


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Effective Date: June 13, 2024

Product APY* Interest Rate Minimum Balance to Earn APY
Premium Health Savings Accounts (HSA) 0.25% 0.25% $25,000.00
0.15% 0.15% $10,000.00
0.10% 0.10% $2,500.00
0.05% 0.05% $1,000.00
0.05% 0.05% $0.01
Kids’ Account 0.03% 0.03% $0.50
Statement Savings 0.07% 0.07% $5,000.00
0.05% 0.05% $100.00

* Annual Percentage Yield. Fees may be reducing earnings.


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Effective Date: June 13, 2024

Product APY* Interest Rate Minimum Balance to Earn APY
Choice Checking 0.01% 0.01% Varies
PassKey Checking 0.01% 0.01% Varies
All Others (when applicable) 0.01% 0.01% Varies
Interest on Lawyers Trust Accounts (IOLTA) 2.00% 2.00% Varies

* Annual Percentage Yield. Fees may be reducing earnings.


APPLY NOW

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