Rates

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.

(swipe to scroll)

Rate

APY*


Rate

APY*


Term

Preferred Rate with any checking account


90 Day CD Special

4.02%

4.08%


4.12%

4.18%


6 Month CD Special

3.85%

3.92%


3.95%

4.02%

18 Month CD Special

3.83%

3.90%


3.93%

4.00%

91 - 181 Day Certificate

0.05%

0.05%


0.10%

0.10%


6 Month CD Special

3.85%

3.92%


3.95%

4.02%


12 Month Certificate

3.68%

3.74%


3.78%

3.85%


18 Month Certificate

3.83%

3.90%


3.93%

4.00%


24 Month Certificate

3.54%

3.60%


3.64%

3.70%


36 Month Certificate

3.54%

3.60%


3.64%

3.70%


48 Month Certificate

3.59%

3.65%


3.69%

3.75%


60 Month Certificate

3.59%

 3.65%


3.69%

3.75%


Educational IRA 60 Mo CD

1.30%

1.31%


1.40%

1.41%



 

*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 March 3, 2025.

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.