What are the current interest rates at Franklin SB Farmington, ME?

Current rates for Franklin SB Farmington, ME include: 12-Month CD: 3.45%, 18-Month CD: 3.40%, 24-Month CD: 3.25%, 36-Month CD: 1.50%, 60-Month CD: 1.00%, Savings: 0.50%, MMA: 2.02%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Banks›
Franklin SB Farmington, ME

iAdvertiser Disclosure

Franklin SB Farmington, ME Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Franklin SB Farmington, ME provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Franklin SB Farmington, ME's top rates as of October 7, 2026 are 3.65% APY on its 14-Month Certificate of Deposit, 0.50% APY on savings, 2.02% APY on money market accounts, and 0.10% APY on checking, according to rates verified by MonitorBankRates. Other Franklin SB Farmington, ME CD rates include 1-Year Certificate of Deposit at 3.45%, 1-Year Certificate of Deposit at 3.45%, and 18-Month Certificate of Deposit at 3.40%. MonitorBankRates evaluates the financial stability of Franklin SB Farmington, ME with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.48%. Rates last updated and verified on 10/07/2026.

Franklin SB Farmington, ME 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 SB Farmington, ME? Share your experience about Franklin SB Farmington, ME by leaving a review below, or read customer reviews before you decide to use Franklin SB Farmington, ME.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.48%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Franklin SB Farmington, ME

197 Main St
Farmington, ME 04938

https://www.franklinsavings.bank

Customer Reviews

Be the first to review

Write a Review

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 SB Farmington, ME CD Rates

Product	Rate	APY	Term
14-Month Certificate of Deposit	3.59%	3.65%	14-Month
Min Deposit $5,000 Details new money only Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
1-Year Certificate of Deposit	3.40%	3.45%	1-Year
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 8, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 7, 20263.45%▲ from 3.35% Sep 8, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
1-Year Certificate of Deposit	3.40%	3.45%	1-Year
Min Deposit $100 Details Youth Account Last Updated 10/07/2026 Rate History 1 change since Sep 8, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 7, 20263.45%▲ from 3.35% Sep 8, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
18-Month Certificate of Deposit	3.35%	3.40%	18-Month
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 8, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Oct 7, 20263.40%▲ from 3.25% Sep 8, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
18-Month Variable IRA Certificate of Deposit	3.35%	3.40%	18-Month
Min Deposit $100 Details Variable IRA Last Updated 10/07/2026 Rate History 1 change since Sep 8, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Oct 7, 20263.40%▲ from 3.25% Sep 8, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
6-Month Certificate of Deposit	3.25%	3.30%	6-Month
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 8, 2026 · 3.40% → 3.30% ▼ 0.10 pts · high 3.40% / low 3.30% Oct 7, 20263.30%▼ from 3.40% Sep 8, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
2-Year Certificate of Deposit	3.20%	3.25%	2-Year
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 8, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 7, 20263.25%▲ from 3.00% Sep 8, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
3-Year Certificate of Deposit	1.49%	1.50%	3-Year
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 8, 2026 · 1.00% → 1.50% ▲ 0.50 pts · high 1.50% / low 1.00% Oct 7, 20261.50%▲ from 1.00% Sep 8, 20261.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
5-Year Certificate of Deposit	1.00%	1.00%	5-Year
Min Deposit $500 Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%

Franklin SB Farmington, ME Savings Rates

Product	Rate	APY
Smart Savings Club Account	0.50%	0.50%
Min Deposit $1 Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Statement Savings	0.20%	0.20%
Min Deposit $5 Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Statement Savings	0.03%	0.03%
Min Deposit $50 Min Balance $1,000 Details Balance: $1,000.00-$49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Statement Savings	0.03%	0.03%
Min Deposit $50 Min Balance $50,000 Details Balance $50,000 and higher Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Statement Savings	0.01%	0.01%
Min Deposit $50 Min Balance $0 Details Balance: $0.01-$49.99 Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%

Franklin SB Farmington, ME Money Market Rates

Product	Rate	APY
Money Market Account	2.00%	2.02%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000 and higher Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 2.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Money Market Account	1.51%	1.52%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00-$999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 1.52% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Money Market Account	1.00%	1.00%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00-$499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Money Market Account	0.85%	0.85%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00-$249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Money Market Account	0.25%	0.25%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00-$99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Money Market Account	0.15%	0.15%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01-$24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%

Franklin SB Farmington, ME Checking Rates

Product	Rate	APY	View More
HSA checking	0.10%	0.10%
Min Deposit $50 Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%

Franklin SB Farmington, ME Other Rates

Product	Rate	Points	APY/APR	Term	View More
NOW Account	0.01%	-	0.01%
Min Deposit $50 Min Balance $500 Details Balance: $500 and higher Last Updated 10/07/2026 Rate History No change since Sep 8, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Franklin SB Farmington, ME’s Texas Ratio rose from 2.72% in Q3 2023 to 6.48% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$787M	6.48%	5.0	A
March 31, 2026	$765M	6.28%	5.0	A
December 31, 2025	$776M	7.41%	5.0	A
September 30, 2025	$770M	6.42%	5.0	A
June 30, 2025	$755M	6.33%	5.0	A
March 31, 2025	$734M	4.99%	5.0	A+
December 31, 2024	$726M	4.32%	5.0	A+
September 30, 2024	$713M	4.64%	5.0	A+
June 30, 2024	$694M	4.40%	5.0	A+
March 31, 2024	$677M	3.76%	5.0	A+
December 31, 2023	$660M	3.16%	5.0	A+
September 30, 2023	$636M	2.72%	5.0	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 SB Farmington, ME 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 SB Farmington, ME 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 SB Farmington, ME's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Franklin SB Farmington, ME

Bank Holding Company FSB BCORP MHC

Address 197 Main St, Farmington, ME 04938 · Franklin

Website https://www.franklinsavings.bank

FDIC Certificate # 19836

Established 18681116

FDIC Insurance Date 19680701

Domestic Offices 9

Total Branches 9

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.48%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9869%

Return on Equity (ROE) 5.5000%

Non-Performing Loans (NPL) 1.17%

Total Assets $786,863,000

Total Deposits $601,112,000

Equity Capital $141,191,000

Net Income $3,828,000

Headquarters Farmington

Total Branches and Offices 9

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Franklin SB Farmington, ME earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/franklin-savings-bank-farmington-me-rates-review-19836">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Franklin SB Farmington, ME yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Franklin SB Farmington, ME

Frequently Asked Questions About Franklin SB Farmington, ME

How many branches does Franklin SB Farmington, ME operate?

Franklin SB Farmington, ME currently maintains approximately 9 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 SB Farmington, ME 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 SB Farmington, ME provides members with tools to manage their accounts and build a solid financial history.

Does Franklin SB Farmington, ME offer online and mobile banking?

Most modern institutions like Franklin SB Farmington, ME 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.franklinsavings.bank.