Yes, we know. Bank of Franklin County… in St. Charles County and St. Louis County. You’re thinking, “Wait… isn’t that a little outside Franklin?” And you’d be correct. But here’s the thing: you can take the bank outta Franklin County, but you cannot take the Franklin County outta the bank.

 

We might technically be “outsiders,” but we’re locals now—sort of. Okay, totally local-ish. We work here, live here, and (most importantly) we answer our phones and show up when you need us. So what does that mean for you?

 

 

Our Ellisville and O'Fallon neighbors get an exclusive access to a special preferred CD rate bump that you won't find on our overall rate sheet. This bump is designed for neighbors like you and has a special preferred rate for BFC checking account holders (if you don't already have one, you can open one).

 

This is our best preferred rate right now (minus our 90-day CD and a Youth CD Special). Check out all of our rates!

 

 

 

 

 

 

*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. Rates effective as of August 5, 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.