• Flexible terms: 91 Day, 182 Day, 1 Year, 2 Year, 3 Year and 5 Year
• Minimum Opening Deposit Amounts: 91 Day through 2 Year = $2,000; 3 and 5 Year = $1,000

With a Franklin Savings Bank Smart CD, you can save for future education costs or, if things don't go as planned, you still have a nifty way to build your nest egg.

For just $100 you can start saving with a Smart CD. And, during it's five year term, you can make additional deposits of as little as $5. Then, when you withdraw funds for education expenses, there are no penalties - even if you withdraw early. (Penalties may be assessed on premature withdrawals if the funds are used for purposes other than education.)

The Smart CD: an account that earns long term certificate rates, but allows the flexibility of making additional deposits.

• 5 year certificate term
• interest rate is variable, and may change each calendar quarter to .25% below the standard 5 Year Certificate of Deposit
• $100 to open

Don't forget to check out our deposit rates for our periodic CD specials. Franklin Savings Bank is pleased to provide Special terms and rates on our Certificates of Deposit, in addition to our regular CD product line.

Additional features of all Certificate of Deposit account products:

• Monthly dividend transfers or checks
• Phone24 Telephone Banking
• I-Bank24 Online Banking