At Franklin State Bank, we’re more than just your local bank—we’re your business partner. Since 1908, we’ve helped small businesses, family farms, nonprofits, and commercial enterprises in Winnsboro and Franklin Parish grow and succeed. Whether you need a reliable checking account, a business loan, or tools to manage your cash flow, our local team is here to help.

Strengthen Your Financial Strategy with a Business CD

If your business has idle cash or long-term reserves, a Business Certificate of Deposit (CD) from Franklin State Bank is a smart, secure way to grow your money. Our CDs offer fixed interest rates, guaranteed returns, and the stability Louisiana businesses need to plan ahead with confidence.

A Solid Savings Option for Louisiana Businesses

We offer two CD options tailored to meet your company’s cash management strategy:

Standard business cd

Requires a minimum deposit of $1,000. Offers fixed returns and flexible interest disbursement schedules.

Money manager certificate of deposit

Requires a $10,000 minimum deposit and is designed for businesses looking to maximize earnings on larger balances.

Both account types calculate interest daily using the Daily Balance Method and allow interest to be paid monthly, quarterly, annually, or at maturity. Interest is not compounded, and CDs with terms greater than one year require annual interest distribution.

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FDIC-Insured Security for Your Capital

All Franklin State Bank CDs are FDIC insured up to applicable limits, offering you peace of mind while your funds earn a predictable return. Business CDs are ideal for managing risk, building reserves, or strategically planning for future projects. Early withdrawal penalties apply, so we recommend selecting a term that aligns with your liquidity needs.

Why Businesses Choose Franklin State Bank

Since 1908, Franklin State Bank has supported local businesses in Winnsboro, Franklin Parish, and beyond with dependable financial services and local decision-making. Our team understands the challenges of running a business and offers practical solutions that help your organization grow.

Get Started with Franklin State Bank

For over a century, we’ve helped customers across Louisiana save with confidence. Whether you’re building a secure future or diversifying your savings strategy, our CD products are backed by local service, strong values, and a deep commitment to our community.

Stop by your nearest branch or give us a call at (318) 435-3711 to learn more about our current CD rates and terms.