barn in acorn field painted with the words see beautiful rock city
All our checking accounts are designed to make your life easy, including free online banking, bill pay, eStatements, and a Visa® check card. (With exception of Direct Deposit Limited Checking, which includes free online banking only.)
It seems like the best hometowns always give more than they take — Franklin is no exception. Like our namesake, our free My Hometown Cash checking gives so much back. Apply Now
| Monthly Maintenance Fee | Condition to Avoid Monthly Fee | Interest & Rewards | Minimum Deposit to Open |
|---|---|---|---|
Monthly Maintenance Fee $0 | Condition to Avoid Monthly Fee N/A | Interest & Rewards
| Minimum Deposit to Open $100 |
To qualify for “My Hometown Cash” rates and receive reimbursements on your ATM fee surcharges, you must perform the following during the monthly qualification cycle*:
*APY=Annual Percentage Yield. APYs accurate as of 03/17/2020. Rates may change after account is opened. Minimum to open is $100 for My Hometown Cash and $100 for My Hometown Saver. For My Hometown Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 0.75%; and (3) balances over $25,000 earn 0.10% interest rate on the portion of the balance over $25,000, resulting in 0.75% – 0.10% APY depending on the balance. If qualifications are not met on My Hometown Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle My Hometown Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised My Hometown Cash APY is based on compounding interest. Interest earned in My Hometown Cash is automatically transferred to My Hometown Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised My Hometown Cash APY. The My Hometown Saver APYs may be less than My Hometown Cash APYs. Transfers between accounts do not count as qualifying transactions. Limit two accounts per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. | |||
Bring home competitive interest paid on your checking account, starting with a minimum balance of $1,500 to earn interest. Plus, there’s no monthly maintenance fee as long as you keep a daily balance of $700 or more.
| Monthly Maintenance Fee | Condition to Avoid Monthly Fee | Interest & Rewards | Minimum Deposit to Open |
|---|---|---|---|
Monthly Maintenance Fee $7 | Condition to Avoid Monthly Fee Maintain a $700 daily minimum | Interest & Rewards
| Minimum Deposit to Open $100 |
Find free checking that’s actually free, no minimum balance and no monthly maintenance fees. Write checks to your heart’s content at no charge, or swipe your free Visa® debit card. Plus, online banking and bill pay are included for free! Apply Now
| Monthly Maintenance Fee | Condition to Avoid Monthly Fee | Interest & Rewards | Minimum Deposit to Open |
|---|---|---|---|
Monthly Maintenance Fee $0 | Condition to Avoid Monthly Fee N/A | Interest & Rewards N/A | Minimum Deposit to Open $100 |
Have a place to put your hard-earned money with Direct Deposit Limited Checking – an efficient checking alternative if you’d rather not deal with checks or debit cards.
| Monthly Maintenance Fee | Condition to Avoid Monthly Fee | Interest & Rewards | Minimum Deposit to Open |
|---|---|---|---|
Monthly Maintenance Fee $12 | Condition to Avoid Monthly Fee N/A | Interest & Rewards N/A | Minimum Deposit to Open $0 |
*Account may be subject to applicable overdraft fees
All rates are accurate as of 03/17/2020 and are subject to change. Please call 270-586-7121 to verify the most current information.
Remember that clear jug of coins so many of us kept in our bedrooms? My Hometown Saver makes it just as easy to set money aside — minus the big jug! Apply Now
| Monthly Maintenance Fee | Condition to Avoid Monthly Fee | Interest & Rewards | Minimum Deposit to Open |
|---|---|---|---|
Monthly Maintenance Fee $0 | Condition to Avoid Monthly Fee N/A | Interest & Rewards
| Minimum Deposit to Open $100 |
*APY=Annual Percentage Yield. APYs accurate as of 03/17/2020. Rates may change after account is opened. Minimum to open is $100 for My Hometown Cash and $100 for My Hometown Saver. For My Hometown Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 0.75%; and (3) balances over $25,000 earn 0.10% interest rate on the portion of the balance over $25,000, resulting in 0.75% – 0.10% APY depending on the balance. If qualifications are not met on My Hometown Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle My Hometown Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised My Hometown Cash APY is based on compounding interest. Interest earned in My Hometown Cash is automatically transferred to My Hometown Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised My Hometown Cash APY. The My Hometown Saver APYs may be less than My Hometown Cash APYs. Transfers between accounts do not count as qualifying transactions. Limit two accounts per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. The rate tiers for the My Hometown Saver account are as follows: balances $0-25,000 earn a rate of 0.25%, 0.25% APY and balances above $25,000.00 earn a rate of 0.15% , 0.25%-0.15% APY. | |||
Put away what you can today, and see every last cent go further towards your savings goals. Our Regular Savings account pays interest on your entire account balance each quarter, with no minimum balance to earn interest. Apply Now
| Monthly Maintenance Fee | Condition to Avoid Monthly Fee | Interest & Rewards | Minimum Deposit to Open |
|---|---|---|---|
Monthly Maintenance Fee Quarterly fee of $3 if balance falls below $100 | Condition to Avoid Monthly Fee N/A | Interest & Rewards
| Minimum Deposit to Open $100 |
Save around the calendar, on your schedule. We offer both Christmas Club and Vacation Club savings account so you can stash cash for a much-deserved getaway or ensure you’re in the giving spirit this holiday season. Apply Now
| Monthly Maintenance Fee | Condition to Avoid Monthly Fee | Interest & Rewards | Minimum Deposit to Open |
|---|---|---|---|
Monthly Maintenance Fee $0 | Condition to Avoid Monthly Fee N/A | Interest & Rewards
| Minimum Deposit to Open $5 |
Get more out of your savings when you open a Money Market account – earning a higher rate of interest on larger account balances than our Regular Savings account.
| Monthly Maintenance Fee | Condition to Avoid Monthly Fee | Interest & Rewards | Minimum Deposit to Open |
|---|---|---|---|
Monthly Maintenance Fee $7 monthly fee if your balance falls under $700 | Condition to Avoid Monthly Fee Maintain a $700 daily minimum balance | Interest & Rewards
| Minimum Deposit to Open $2500 |
Count on guaranteed savings with a certificate of deposit (CD). CDs offer higher interest rates than traditional savings accounts. Plus, CD rates are fixed, so you can lock in a great rate today that will last the entire term!
| Monthly Maintenance Fee | Condition to Avoid Monthly Fee | Interest & Rewards | Minimum Deposit to Open |
|---|---|---|---|
Monthly Maintenance Fee N/A | Condition to Avoid Monthly Fee N/A | Interest & Rewards
| Minimum Deposit to Open $1000 |
Count on guaranteed savings with a certificate of deposit (CD). CDs offer higher interest rates than traditional savings accounts.
| Monthly Maintenance Fee | Interest & Rewards | Minimum Deposit to Open |
|---|---|---|
Monthly Maintenance Fee N/A | Interest & Rewards
| Minimum Deposit to Open $10,000 |
We offer traditional, SEP, and Roth IRAs with both fixed and variable rate plans available, so you can make contributions year by year, and reach your retirement with cash to spare – and in a timely manner. Consult a tax advisor to determine which IRA type is right for you!
| Monthly Maintenance Fee | Condition to Avoid Monthly Fee | Interest & Rewards | Minimum Deposit to Open |
|---|---|---|---|
Monthly Maintenance Fee N/A | Condition to Avoid Monthly Fee N/A | Interest & Rewards
| Minimum Deposit to Open $1000 |
All rates are accurate as of 03/17/20 and are subject to change. Please call 270-586-7121 to verify the most current information.
Not sure whether a traditional or Roth IRA is right for you? Both traditional and Roth IRAs can keep you on track to a timely retirement. Compare traditional vs. Roth IRAs below – including the unique tax advantages each offers to facilitate your retirement savings! Then consult a tax adviser to determine which IRA is right for you!
*Earning are tax-free and penalty-free after the five-year period has been met and the distribution is considered qualified. The following circumstances are considered qualified: distributions beginning at age 59 1/2, death distributions to beneficiaries, disability distributions to owner, first time homebuyer distribution to owner or qualified descendants.