Personal Banking

people looking over finances

Checking Accounts

Hometown Checking

Easy checking with no maintenance or transaction fees.


Prepare for health emergencies with no service charges.

Checking Reserve

Build a cash reserve with no interest unless you use it.

Legacy Checking

A free checking account with no monthly fees for Mainers 55+.

Savings Accounts

CDs and IRAs

Secure investments with high returns.

Money Market Accounts

Earn high interest and access your money whenever you need it.

Club Accounts

Save for what’s ahead—holidays, vacations, a new car, or home.

Youth Accounts

It’s never too early to learn the ins and outs of saving.

Deposit Rates 

View our current rates.



An option for everyone, from first-time home buying to refinancing.

Home equity loans + lines of credit

Fixed rates and loan terms that work for you.

Auto + recreational vehicle loans

We’ll get you on the road in a new vehicle or on the lake in a new boat.

Construction loans

Enjoy flexible terms and combine closing costs to save you money.

Mortgage lenders

Talk to a mortgage lender today.

Consumer Credit Cards

Choosing the right credit card is easier than ever. No matter what your credit card goals are, we have the ideal card for you!

Banking that believes in you

A personal banking experience

We get to know your needs and circumstances to better support your financial future.

  • Local connection.
  • Caring relationships.
  • Trusted service.

Putting your goals first

Our financial experts create a banking plan that works for you.

  • Local market knowledge.
  • Creative solutions for your needs.
  • Checking accounts with limited fees.

Switching to Franklin Savings? Here’s what you need to know.

We’re more than happy to help you put together the pieces. Fill out the account change or close forms in the PDF and mail or drop them by any office of Franklin Savings Bank and we’ll do the rest. It’s that easy.

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