Deposit Rates

Designed with you in mind.

Effective Date: September 28, 2022

 

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

 

Product APY* Interest Rate¹ Minimum / Maximum Deposits (if applicable)
21 Day CD† 1.00% 1.00% $5,000 Minimum Deposit to earn APY
11 Month CD 1.75% 1.74% $2,000 Minimum Deposit to earn APY
11 Month CD Passkey** 2.00% 1.98% $2,000 Minimum Deposit to earn APY
20 Month CD*** 2.65% 2.62% $25,000 Minimum Deposit to earn APY

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¹Interest rate is subject to change without notice. Penalty may be assessed for early withdrawal. Fees and withdrawals could reduce earnings.

†The stated interest rate and APY will remain in effect until 4/30/2023

*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.

**This special offer is for Passkey Checking Account customers only.

***Annual Percentage Yield is effective as of 09/13/2022. A minimum deposit of $25,000 in funds not already on deposit with Franklin Savings Bank is required to open this account and obtain the stated APY.

 

Effective Date: September 28, 2022

Product 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
13 Day 0.05% 0.05% $5,000.00
21 Day† 1.00% 1.00% $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.

†The stated interest rate and APY will remain in effect until 4/30/2023.


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Effective Date: September 28, 2022

Product 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.

 

 

Effective Date: September 28, 2022

Product APY* Interest Rate Minimum Balance to Earn APY
Lakes Money Market Plus – with FSB Checking 0.20% 0.20% $250,000.00+
0.15% 0.15% $150,000.00
0.10% 0.10% $75,000.00
0.07% 0.07% $25,000.00
0.05% 0.05% $2,500.00
0.03% 0.03% $0.01
Money Market Advantage 0.05% 0.05% $75,000.00
0.05% 0.05% $25,000.00
0.03% 0.03% $2,500.00
0.01% 0.01% $0.01

* Annual Percentage Yield


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Effective Date: September 28, 2022

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 0.03% 0.03% $5,000.00
0.01% 0.01% $100.00

* Annual Percentage Yield


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Effective Date: September 28, 2022

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) 1.00% 1.00% Varies

* Annual Percentage Yield


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