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HOLIDAY NOTICE: All Franklin Savings Bank offices will be closed on Wednesday, December 25th for Christmas. Online and Mobile banking services are available 24/7 so you can bank whenever you want, from wherever you are. 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: December 7, 2024

 

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

 

Product APY* Interest Rate Minimum / Maximum Deposits (if applicable)
7 Month CD** 4.45% 4.36% $2,000 Minimum Deposit to earn APY
10 Month IRA¹ 4.00% 3.93% $1,000 Minimum Deposit to open and earn APY

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*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 7 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 10/1/24. Rates are subject to change without notice. Penalty may be assessed for early withdrawal. Fees and withdrawals could reduce earnings.

¹The 10 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 10/1/24. Rates are subject to change without notice. Penalty may be assessed for early withdrawal. Fees and withdrawals could reduce earnings.

 

Effective Date: December 7, 2024

Current CD Specials APY* Interest Rate Minimum Balance to Earn APY
7 Month CD¹ 4.45% 4.36% $2,000.00

 

Standard CD Products APY* Interest Rate Minimum Balance to Earn APY
182 Day 3.50% 3.44% $2,000.00
One Year 3.25% 3.20% $2,000.00
Two Year 3.00% 2.96% $2,000.00
Three Year 2.50% 2.47% $1,000.00 Minimum deposit
Five Year 2.00% 1.98% $1,000.00 Minimum deposit
Five Year Smart CD 1.75% 1.74% $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 7 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 10/01/24. Rates are subject to change without notice. Penalty may be assessed for early withdrawal. Fees and withdrawals could reduce earnings.

The 10 month IRA special is not available as a CD.


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Effective Date: December 7, 2024

Current IRA Specials APY* Interest Rate Minimum Balance to Earn APY
10 Month IRA¹ 4.00% 3.93% $1,000.00

 

Standard IRA Products APY* Interest Rate Minimum Balance to Earn APY
Variable Rate IRA Savings 3.50% 3.44% $50,000.00
3.50% 3.44% $15,000.00
3.50% 3.44% $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 10 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 10/1/24. Rates are subject to change without notice. Penalty may be assessed for early withdrawal. Fees and withdrawals could reduce earnings.

 

 

Effective Date: December 7, 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: December 7, 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
Lakes Plus Savings¹ 0.07% 0.07% .01 – $49,999
2.25% 2.23% $50,000 – $99,999
3.00% 2.96% $100,000 – $249,999
3.50% 3.45% $250,000 – $499,999
4.00% 3.93% $500,000+

* Annual Percentage Yield. Fees may be reducing earnings.

¹This account is offered exclusively to FSB checking account customers. A $100 minimum deposit is required to open this account. A minimum balance of $2,500 is required to avoid a monthly service charge. Annual percentage yield is effective 10/01/24. Rates are subject to change without notice.


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Effective Date: December 7, 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.


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