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Open a Certificate of Deposit
*Certificate of Deposit early withdrawal penalties may apply and reduce earnings on the account.
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Certificate of Deposit (CD) Specials
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Franklin Savings Bank offers periodic specials on our CD programs. Take a look at our current CD specials and check back often to learn about future deals. Click here for available CD specials.
Open a Certificate of Deposit
*Certificate of Deposit early withdrawal penalties may apply and reduce earnings on the account.
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- Special Interest Rates
- Withdraw your interest or let it grow – your choice!*
- Can be used to secure an FSB collateral loan
- Automatic monthly transfers of interest
- Online & Mobile Banking
- FDIC Insurance
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The Franklin Savings Bank Smart CD account is the perfect answer to tomorrow’s education needs. Deposit money at any time whenever, wherever you want. When the funds are used for educational expenses, you may withdraw funds prior to maturity–without penalty.
Open a Smart CD
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- Open your Smart CD with as little as $100
- Flexibility of making additional deposits at any time
- 5-year certificate of deposit (CD) term
- Watch your account grow with quarterly statements
- e-Statements
- Online & Mobile Banking
- NO PENALTIES are assessed for withdrawals demonstrated to be used for education expenses
- FDIC Insurance
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Certificate of Deposit Account Registry Service (CDARS)
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Franklin Savings Bank is pleased to be a member of the Certificate of Deposit Account Registry Service. CDARS is a service FSB uses for those interested in opening CDs over the $250,000 insurance limit.
With CDARS, you have both the security of FDIC insurance with the convenience of working with just one financial institution that you know and trust. Now, you no longer have to open multiple CDs with multiple banks for accounts over $250,000, for peace-of-mind that your investment is insured. You also have the convenience of one interest rate with no hidden fees.
Learn More About CDARS
Open a CDAR
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- Take advantage of multi-million dollar FDIC insurance coverage
- No need to make multiple deposits with multiple banks; you can work directly with Franklin Savings Bank
- Negotiate just one interest rate; no need to worry about juggling multiple CD accounts with multiple rates
- All the information you need is consolidated into one easy-to-read statement
- With CDARS, the rate you see is the rate you get. You will not be charged annual fees, subscription fees, or transaction fees.
- No need to track changing collateral values on a recurring basis. With CDARS, you’ll be confident that your deposits will be covered by FDIC protection.
- Wide Variety of Maturities—maturities range from 4 weeks to 5 years; you choose the term length that works best for you
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