Save Smarter with Franklin State Bank
Whether you're preparing for a rainy day, planning for retirement, or getting ahead on holiday spending, Franklin State Bank has a savings solution for you. Our FDIC-insured savings accounts offer flexibility, competitive interest, and peace of mind — all backed by the service of your trusted community bank.
FSB Savings Account
Start building your savings the simple way.
Earns interest on your entire balance
Low quarterly maintenance fees
Easy access to your funds at any time
This is the perfect everyday savings account for short- and long-term goals. Whether you're saving for an emergency fund, travel, or a major purchase, our standard savings account helps you stay in control.
FSB Individual Retirement Account (IRA)
Planning for retirement? Our Individual Retirement Accounts (IRAs) provide long-term, tax-advantaged savings with the stability of an FDIC-insured product.
Traditional and Roth IRA options available
Earns competitive interest
Tax-deferred growth (consult your tax advisor)
Fully FDIC insured (up to $250,000)
An IRA from Franklin State Bank is ideal for individuals looking to grow retirement savings safely over time.
Christmas Club Account
Start saving early for the holidays with our easy and fun Christmas Club savings account.
Open with as little as $2.00
Contribute any amount, any time
Earns interest throughout the year
No service charges
This account helps you budget for year-end expenses like gifts, travel, and family gatherings. Funds are typically distributed just before the holiday season — right when you need them most.
Frequently asked questions
Start Saving Today
It only takes a few minutes to open your savings account. Visit your nearest Franklin State Bank location or give us a call to learn more.
