|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Franklin Somerset Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: April 18, 2026
Franklin Somerset Federal Credit Union's IRA CDs 12 month rates are at 3.82%, CDs 12 month rates are at 3.82%, IRA CDs 24 month rates are at 3.46%, CDs 24 month rates are at 3.46%, IRA CDs 18 month rates are at 3.36%. Franklin Somerset Federal Credit Union's savings rates are at 0.05%. Franklin Somerset Federal Credit Union's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of Franklin Somerset Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.31%. Rates were last updated on 04/18/2026. Franklin Somerset Federal Credit Union 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 Somerset Federal Credit Union? Share your experience about Franklin Somerset Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Franklin Somerset Federal Credit Union. Franklin Somerset Federal Credit Union
Operations Center 114 E MADISON RD
https://www.f-sfcu.com/ MADISON, ME 04950 3027 
Franklin Somerset Federal Credit Union CD Rates
Franklin Somerset Federal Credit Union Savings Rates
Franklin Somerset Federal Credit Union Money Market Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Franklin Somerset Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Franklin Somerset Federal Credit Union 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 Somerset Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Franklin Somerset Federal Credit Union
Website
https://www.f-sfcu.com/
Address
114 E MADISON RD,
MADISON, ME 04950 3027
Phone
207-612-5400
Fax
207-474-0028
President
Paula Sansouci
CEO
Beverly Knapp
Full-Time Employees
33
Part-Time Employees
1
Branch Locations
5
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.31%
Return on Assets (ROA)
0.8203%
Return on Equity (ROE)
6.4196%
Non-Performing Loans Ratio (NPL)
0.64%
Total Assets
142,224,061
Total Amount of Shares and Deposits
123,350,209
Total Shares and Deposits < 1 Year
119,018,134
Total Shares and Deposits 1 3 Years
3,434,108
Total Shares and Deposits > 3 Years
897,967
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,853,683
Total Uninsured Shares and Deposits > $250K (F+J)
4,853,683
Total Insured Shares and Deposits > $250K (item 17 less item K)
118,496,526
Total Interest Expense (Sum of items 6 8)
1,020,705
Share Certificates
942
Number of Accounts for Share Drafts
5,908
IRA KEOGH Accounts
490
Number of Accounts for Regular Shares
12,159
Money Market Shares
191
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
20,795,608
Total Liabilities
124,049,785
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Franklin Somerset Federal Credit UnionIs Franklin Somerset Federal Credit Union a safe place to deposit money?Yes, Franklin Somerset Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.3122626728019%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Franklin Somerset Federal Credit Union operate?Franklin Somerset Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Franklin Somerset Federal Credit Union?Yes, to access services at Franklin Somerset Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Franklin Somerset Federal Credit Union 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 Somerset Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Franklin Somerset Federal Credit Union offer online and mobile banking?Most modern institutions like Franklin Somerset Federal Credit Union 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.f-sfcu.com/. Current Franklin Somerset Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Buffalo Metropolitan Federal Credit Union
Hoboken N J Police Federal Credit Union
Piedmont Advantage Credit Union
Regional Medical Ctr Hopkins Co Emp Federal Credit Union
Tru Fi-Credit Union
GR Consumers Credit Union
TNConnect Credit Union
Norwalk Hospital Credit Union
Louisiana Machinery Employees Federal Credit Union
Milestones Federal Credit Union
Cy-Fair Federal Credit Union
Blue Flame Credit Union Mobile, AL
The First Financial Federal Credit Union
West Hudson Teachers Federal Credit Union
Goldenwest Federal Credit Union
Associated Credit Union Of Texas
Sebasticook Valley Federal Credit Union
Educators Credit Union
Consumers Credit Union
Santa Rosa County Federal Credit Union
Alpena Community Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
