Bank of Franklin County (MO) Has 20-Month CD Special, EXPIRED


Update 7/16/20: These CD Specials have expired. Rates listed below are no longer available and are only listed below for historical purposes.

Availability: 20-month CD Special, 3.04% APY ($50k+) and 40-month CD Special, 3.30% APY ($50k+), 3.14% APY ($500+).

Availability: Market area includes three eastern Missouri counties.

For a limited time, the Bank of Franklin County (BFC) is offering two CD Specials, with very competitive rates for deposits of $50k and above.

Both CD Specials are available as IRAs (Traditional and Roth), earning the same APYs with the same funding requirements.

According to CSR, the Early Withdrawal Penalty for the 20-month CD Special is six months interest and nine months interest for the 40-month CD Special, but there are no partial withdrawals. The Terms and Conditions brochure states,

We may close your account and impose the early withdrawal penalty
on the entire account balance in the event of a partial early withdrawal.


Headquartered in Washington, Missouri, Bank of Franklin County’s market area includes Franklin, St. Charles, and Warren Counties in eastern Missouri.

Opening any type of account with BFC requires an in-person visit to any of five Missouri branches located in New Haven, O’Fallon, and Washington (3).

BFC’s online banking platform is currently limited to account management and bill payment services.

Bank Overview

Bank of Franklin County has an overall health grade of "B+" at, with a Texas Ratio of 12.79% (above average), based on December 31, 2018 data. In the past year, the Bank has increased its total non-brokered deposits by $1.24 million, an above average annual growth rate of 0.59%. Please refer to our financial overview of Bank of Franklin County (FDIC Certificate # 35543) for more details.

Established in 2000, Bank of Franklin County is a locally-owned and independent community bank. In addition to its retail banking division, BFC operates Franklin Mortgage and Missouri Valley Wealth Management.

How the CD Specials Compare

When compared to 263 similar length-of-term CDs tracked by that are available with the Bank’s market area, Bank of Franklin County’s 20-month CD Special APY currently ranks second, regardless of minimum deposit requirement.

When compared to 313 similar length-of-term CDs tracked by that are available with the Bank’s market area, Bank of Franklin County’s 40-month CD Special APYs currently rank first and fourth, regardless of minimum deposit requirement.

The above rates are accurate as of 3/25/2019.

To search for the best CD rates, both nationwide and state specific, please refer to our CD rates table page.

Related Pages: St. Louis CD rates, 1-year CD rates, 5-year CD rates

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.