Skip Navigation Facebook Twitter LinkedIn Search Bank of Franklin County Personal Business Lending Resources About Us Login 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. CDs & IRAs Savings Checking Rate APY* Rate APY* Term Preferred Rate with any checking account 91 - 181 Day Certificate 0.05% 0.05% 0.15% 0.15% 6 Month Certificate 0.20% 0.20% 0.30% 0.30% 12 Month Certificate 0.25% 0.25% 0.35% 0.35% 18 Month Certificate 0.30% 0.30% 0.40% 0.40% 24 Month Certificate 0.50% 0.50% 0.60% 0.60% 36 Month Certificate 0.60% 0.60% 0.70% 0.70% 48 Month Certificate 0.70% 0.70% 0.80% 0.80% 60 Month Certificate 0.80% 0.80% 0.90% 0.90% Educational IRA 60 Mo CD 0.80% 0.80% 0.90% 0.90% *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 September 22, 2021. 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. Bank of Franklin County at 636.239.6600 or 877.584.6600 Banking on your schedule. Manage your money with our online tools. Learn more Stay up-to-date on all of our latest news! Your Email Address ©2021 Bank of Franklin County. Member FDIC. Equal Housing Lender Safeguards in place Privacy Policy Account Disclosures TOP