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Franklin Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 5, 2026
Franklin Bank's 15-Month CD rates are at 3.30%, 6-Month CD rates are at 3.04%, 12-Month CD rates are at 2.27%, 60-Month CD rates are at 0.55%, 48-Month CD rates are at 0.45%. Franklin Bank's savings rates are at 1.65%. Franklin Bank's money market rates are at 3.56%. Franklin Bank's checking rates are as high as 0.05%. Franklin Bank's Residential Mortgage - Fixed Rate rates are at 5.50%, Residential Mortgage - Adjustable Rate Mortgage 1/1 rates are at 6.512%, Residential Mortgage - Adjustable Rate Mortgage 7/1 rates are at 5.75%, Residential Mortgage - Adjustable Rate Mortgage 5/1 rates are at 5.75%. Franklin Bank's Personal Loan Rates are as low as 11.99%. Franklin Bank's top CD rate of 3.30% APY on a 15 month CD is 11% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Franklin Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.02%. Rates last updated and verified on 11/05/2026.
Franklin Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Franklin Bank? Share your experience about Franklin Bank by leaving a review below, or read customer reviews before you decide to use Franklin Bank.
Franklin Bank has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Franklin Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
1.02%
ExcellentLower than avg
Franklin Bank Texas Ratio
Franklin Bank's Texas Ratio is 1.02%, which is considered excellent and is lower than the national average of 5.85%.
Franklin Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.33% to 1.02% over 12 quarters, improvingFull history
Star Rating 4.3 to 5.0, Health Grade A- to A+
The Texas Ratio for this bank has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Franklin Bank CD Rates
Product
Rate
APY
Term
View More
15-Month CD
3.25%
3.30%
15 months
Min Balance$500
DetailsCrediting Method: Monthly; Interest Calculation: Simple:365 / 365; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.30% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA CD 15-Month
3.25%
3.30%
15-Month
Min Balance$1,000
DetailsCrediting Method: Quarterly; Interest Calculation: Compound Daily: 365 / 365; An early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.30% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
6-Month CD
3.00%
3.04%
6 months
Min Balance$500
DetailsCrediting Method: Monthly; Interest Calculation: Simple:365 / 365; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
1 change since Sep 19, 2026 · 2.27% → 3.04% ▲ 0.77 pts · high 3.04% / low 2.27%
Oct 7, 20263.04%▲ from 2.27%
Sep 19, 20262.27%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA CD 12-Month
2.25%
2.28%
12-Month
Min Balance$1,000
DetailsCrediting Method: Quarterly; Interest Calculation: Compound Daily: 365 / 365; An early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.28% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
12-Month CD
2.25%
2.27%
12 months
Min Balance$500
DetailsCrediting Method: Monthly; Interest Calculation: Simple:365 / 365; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.27% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
60-Month CD
0.55%
0.55%
60 months
Min Balance$500
DetailsCrediting Method: Monthly; Interest Calculation: Simple:365 / 365; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.55% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA CD 60-Month
0.55%
0.55%
60-Month
Min Balance$1,000
DetailsCrediting Method: Quarterly; Interest Calculation: Compound Daily: 365 / 365; An early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.55% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
48-Month CD
0.45%
0.45%
48 months
Min Balance$500
DetailsCrediting Method: Monthly; Interest Calculation: Simple:365 / 365; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.45% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA CD 48-Month
0.45%
0.45%
48-Month
Min Balance$1,000
DetailsCrediting Method: Quarterly; Interest Calculation: Compound Daily: 365 / 365; An early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.45% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
36-Month CD
0.40%
0.40%
36 months
Min Balance$500
DetailsCrediting Method: Monthly; Interest Calculation: Simple:365 / 365; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.40% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA CD 36-Month
0.40%
0.40%
36-Month
Min Balance$1,000
DetailsCrediting Method: Quarterly; Interest Calculation: Compound Daily: 365 / 365; An early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.40% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
33-Month CD
0.35%
0.35%
33 months
Min Balance$500
DetailsCrediting Method: Monthly; Interest Calculation: Simple:365 / 365; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.35% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
30-Month CD
0.32%
0.32%
30 months
Min Balance$500
DetailsCrediting Method: Monthly; Interest Calculation: Simple:365 / 365; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.32% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA CD 30-Month
0.32%
0.32%
30-Month
Min Balance$1,000
DetailsCrediting Method: Quarterly; Interest Calculation: Compound Daily: 365 / 365; An early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.32% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
18-Month CD
0.30%
0.30%
18 months
Min Balance$500
DetailsCrediting Method: Monthly; Interest Calculation: Simple:365 / 365; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.30% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
24-Month CD
0.30%
0.30%
24 months
Min Balance$500
DetailsCrediting Method: Monthly; Interest Calculation: Simple:365 / 365; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.30% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA CD 18-Month
0.30%
0.30%
18-Month
Min Balance$1,000
DetailsCrediting Method: Quarterly; Interest Calculation: Compound Daily: 365 / 365; An early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.30% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA CD 24-Month
0.30%
0.30%
24-Month
Min Balance$1,000
DetailsCrediting Method: Quarterly; Interest Calculation: Compound Daily: 365 / 365; An early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.30% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
13-Month CD
0.25%
0.25%
13 months
Min Balance$500
DetailsCrediting Method: Monthly; Interest Calculation: Simple:365 / 365; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
9-Month CD
0.25%
0.25%
9 months
Min Balance$500
DetailsCrediting Method: Monthly; Interest Calculation: Simple:365 / 365; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA CD 13-Month
0.25%
0.25%
13-Month
Min Balance$1,000
DetailsCrediting Method: Quarterly; Interest Calculation: Compound Daily: 365 / 365; An early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA CD 9-Month
0.25%
0.25%
9-Month
Min Balance$1,000
DetailsCrediting Method: Quarterly; Interest Calculation: Compound Daily: 365 / 365; An early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
3-Month CD
0.15%
0.15%
3 months
Min Balance$500
DetailsCrediting Method: Monthly; Interest Calculation: Simple:365 / 365; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
Franklin Bank Savings Rates
Product
Rate
APY
View More
Savings Club Account
1.65%
1.65%
Min Balance$5
DetailsCrediting Method: Maturity; Interest Calculation: Simple: 365 / 365; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.65% APY · checked 14 times
No change since Sep 19, 2026 · 1.00% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
Financial Health History
Franklin Bank’s Texas Ratio fell from 2.33% in Q3 2023 to 1.02% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.3 to 5.0 and its Health Grade from A- to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$334M
1.02%
5.0
A+
March 31, 2026
$337M
0.94%
5.0
A+
December 31, 2025
$334M
1.38%
5.0
A+
September 30, 2025
$328M
0.83%
5.0
A+
June 30, 2025
$325M
0.85%
5.0
A+
March 31, 2025
$327M
0.95%
5.0
A+
December 31, 2024
$321M
1.03%
5.0
A+
September 30, 2024
$318M
0.80%
5.0
A+
June 30, 2024
$317M
1.01%
5.0
A+
March 31, 2024
$320M
1.78%
5.0
A+
December 31, 2023
$313M
2.40%
5.0
A+
September 30, 2023
$323M
2.33%
4.3
A-
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Franklin Bank is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather Franklin Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Franklin Bank's official website for the most current offers and terms.
Address
1179 Route 40,
Pilesgrove, NJ 08098 · Salem
FDIC Certificate #30402
RegulatorFDIC
EstablishedJanuary 1, 1861
FDIC Insurance DateAugust 9, 1989
Domestic Offices8
Total Branches8
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.02%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.6752%
Return on Equity (ROE)
7.5000%
Non-Performing Loans Ratio (NPL)
0.09%
Total Assets
$334,060,000
Total Deposits
$301,345,000
Equity Capital
$30,756,000
Net Income
$1,132,000
Headquarters
Pilesgrove
Total Branches and Offices
8
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Franklin Bank earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Franklin Bank
Frequently Asked Questions About Franklin Bank
Does Franklin Bank offer CDs?
Yes. Franklin Bank current CD rates include its 15-Month CD at 3.30% APY, its 6-Month CD at 3.04% APY and its 12-Month CD at 2.27% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from Franklin Bank FDIC insured?
Yes. Franklin Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Franklin Bank?
The highest Franklin Bank CD rate is its 15-Month CD at 3.30% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does Franklin Bank offer?
Franklin Bank CD rates are 3.04% APY for a 6 month CD, 2.27% APY for a 12 month CD, 3.30% APY for a 15 month CD, 0.30% APY for an 18 month CD, 0.30% APY for a 2 year CD, 0.40% APY for a 3 year CD, 0.45% APY for a 4 year CD and 0.55% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Franklin Bank for its full lineup.
What is the highest savings rate at Franklin Bank?
The highest Franklin Bank savings rate is its Savings Club Account at 1.65% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest money market rate at Franklin Bank?
The highest Franklin Bank money market rate is its Premier Business Money Market at 3.56% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest checking rate at Franklin Bank?
The highest Franklin Bank checking rate is its Premier Checking at 0.05% APY, verified by MonitorBankRates as of November 5, 2026.
What is the lowest mortgage rate at Franklin Bank?
The lowest Franklin Bank mortgage rate is its Residential Mortgage - Fixed Rate at 5.50%, verified by MonitorBankRates as of November 5, 2026.
What is the lowest auto loan rate at Franklin Bank?
The lowest Franklin Bank auto loan rate is its New Auto Loan at 6.00%, verified by MonitorBankRates as of November 5, 2026.
What is the lowest personal loan rate at Franklin Bank?
The lowest Franklin Bank personal loan rate is its Personal Unsecured Loan at 11.99%, verified by MonitorBankRates as of November 5, 2026.
How many branches does Franklin Bank operate?
Franklin Bank currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, Franklin Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Franklin Bank provides members with tools to manage their accounts and build a solid financial history.
Does Franklin Bank offer online and mobile banking?
Most modern institutions like Franklin Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.franklinbnk.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Franklin Bank rates compare?
Franklin Bank's top CD rate of 3.30% APY on a 15 month CD is 11% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. Franklin Bank's top rates are its 15-Months 15-Month CD at 3.30% APY, its Savings Club Account at 1.65% APY, its Premier Business Money Market at 3.56% APY, its Premier Checking at 0.05% APY, its Residential Mortgage - Fixed Rate at 5.50% and its Personal Unsecured Loan at 11.99% APR, verified by MonitorBankRates on November 5, 2026.
Current Franklin Bank Rates
12-Month CD0.25%
18-Month CD0.30%
24-Month CD0.30%
36-Month CD0.40%
48-Month CD0.45%
60-Month CD0.55%
Savings1.65%
MMA3.56%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
