It's nice to watch your money grow.

Our competitive rates will put your money to work, earning interest year after year. Check out our hardworking rates for CDs, IRAs, Savings and Checking.

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Rate

APY*


Rate

APY*


Term

Preferred Rate with any checking account


90 Day CD Special

4.05%

4.13%


4.15%

4.23%


6 Month CD Special

4.90%

5.01%


5.00%

5.12%


8 Month - BFC Sure Thing CD

See what makes it a Sure Thing

5.08% 5.20%
5.18% 5.30%

11 Month - BFC Sure Thing CD

See what makes it a Sure Thing

5.03%

5.15%


5.13%

5.25%


18 Month CD Special

4.85%

4.96%


4.95%

5.06%


91 - 181 Day Certificate

0.05%

0.05%


0.10%

0.10%


6 Month CD Special

4.90%

5.01%


5.00%

5.12%


12 Month Certificate

1.00%

1.00%


1.10%

1.11%


18 Month Certificate

4.85%

4.96%


4.95%

5.06%


24 Month Certificate

0.75%

0.75%


0.85%

0.85%


36 Month Certificate

1.00%

1.00%


1.10%

1.11%


48 Month Certificate

1.15%

1.16%


1.25%

1.26%


60 Month Certificate

1.30%

1.31%


1.40%

1.41%


Educational IRA 60 Mo CD

1.30%

1.31%


1.40%

1.41%




How does a BFC Sure Thing CD work, you ask.

Unlike traditional CDs, our Sure Thing CD empowers you with a special voucher, ensuring that you stay in control. If interest rates rise, seize the moment by using your voucher to "bump up" your rate to the new, higher rate. In the event of a rate decrease, take charge and "double down" on your deposit with the voucher, maximizing your returns at the locked-in higher rate. It's a CD special where you dictate the terms, providing a level of flexibility that sets us apart from the rest. Don't miss out on securing your financial future with the BFC Sure Thing CD.


Once you open a Sure Thing CD, you will receive a voucher that can be redeemed for one of the following options:
  1. BUMP UP: To secure a one-time rate increase for the remainder of the initial term, equal to the current rate offered on a term equal to the original term of this account or a six month term on that date of the voucher redemption OR
  2. DOUBLE DOWN: To add a one-time additional deposit to the certificate. That deposit may not exceed the original amount of the CD for which the voucher was issued. 
Either way, you get great rates with great benefits! 

NEXT STEP? Stop by any BFC branch or give us a call (636.239.6600) and ask for the Sure Thing!

 

*APY = Annual Percentage Yield. The minimum balance to open an account and obtain the APY is $500.00. Withdrawal of interest will reduce APY. Certificates are compounded and credited monthly for terms of 6 months or greater. Certificates are credited at maturity for terms of less than 6 months. A penalty may be imposed for early withdrawal. Rates subject to change daily. IRA's for terms of 6 months or greater.  Rates effective as of January 18, 2024.

Customer may qualify for a preferred rate with any checking account.  Preferred rates may apply to the initial term, only.  Call Bank of Franklin County for details at 636.239.6600 or 877.584.6600.