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.

(swipe to scroll)

Rate

APY*


Rate

APY*


Term

Preferred Rate with any checking account


90 Day CD Special

4.05%

4.13%


4.15%

4.23%


6 Month CD Special

4.12%

4.20%


4.22%

4.30%

18 Month CD Special

3.83%

3.90%


3.93%

4.00%

18 Month YOUTH Fair Special

See Fair Special options

4.79%

4.90%


4.89%

5.00%

91 - 181 Day Certificate

0.05%

0.05%


0.10%

0.10%


6 Month CD Special

4.12%

4.20%


4.22%

4.30%


12 Month Certificate

3.68%

3.74%


3.78%

3.85%


18 Month Certificate

3.83%

3.90%


3.93%

4.00%


24 Month Certificate

3.54%

3.60%


3.64%

3.70%


36 Month Certificate

3.54%

3.60%


3.64%

3.70%


48 Month Certificate

3.59%

3.65%


3.69%

3.75%


60 Month Certificate

3.59%

 3.65%


3.69%

3.75%


Educational IRA 60 Mo CD

1.30%

1.31%


1.40%

1.41%




Show Us Your Ribbon (or Sash)!

Bring your ribbon from ANY 2024 fair and take advantage of ONE of these limited-time offers:

Deposit Match Up To $100 Requirements**

  • Individual must be 22 years old or younger AND present a ribbon (or sash) from any Missouri Fair
    • Livestock Ribbon, 4-H Exhibitor Ribbon, Queen Contestant Sash, etc. 
  • To receive up to $100 match in deposit into appropriate BFC Checking/Savings Account
    • Anyone 12 years old and younger must have a Franklin Jr. Savings Account
    • Anyone 13-22 years old  must have a BFC checking account 

Requirements for the Youth Fair CD Special***

  • Individual must be 22 years old or younger AND present a ribbon (or sash) from any Missouri Fair
    • Livestock Ribbon, 4-H Exhibitor Ribbon, Queen Contestant Sash, etc. 
  • To receive the Preferred Rate
    • Anyone 12 years old and younger must have a Franklin Jr. Savings Account
    • Anyone 13-22 years old  must have a BFC checking account 



*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 November 6, 2024.

**MATCH: Offer good for any current or new customers with appropriate BFC account: Franklin Jr. Saving Account (Ages 12 year old and under) or Teen/ Basic Checking Account (Ages 13-22) to receive the credit. Account holder must be 22 years of age or younger. Minimum initial deposit to open a new account is $25. Gift will not count toward the minimum initial deposit requirement. Credit voucher for up to $100 will be given matching the deposit amount into the account and can be redeemed by the account holder, in any BFC branch, after 90 days. Credit voucher must be presented to receive offer. One (1) credit per customer, not per account – maximum credit $100. Credit may be subject to 1099 reporting. Subject to change without notice and cannot be combined with any other offers. Promo Code: CASH100. Offer expires 11/15/24.  

***FAIR CD: APY = Annual Percentage Yield. Account holder must be 22 years of age or younger. Without the appropriate BFC account: Franklin Jr. Saving Account (Ages 12 year old and under) or Any BFC Checking Account (Ages 13-22), the APY will be 4.90%. Offer is limited to 1 CD per account holder. The minimum balance to open an account and obtain the APY is $100.00. The maximum amount is limited to $10,000.00. Withdrawal of interest will reduce APY. Certificates are compounded and credited monthly for terms of 11 months or greater. A penalty may be imposed for early withdrawal. Subject to change without notice and cannot be combined with any other offers. Offer expires 11/15/24.
 

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.