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Franklin Mint Federal Credit Union (FMFCU)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.fmfcu.org
610-325-5100
5 Hillman Dr Ste 100
Chadds Ford, PA 19317-9998

Franklin Mint Federal Credit Union (FMFCU) is headquartered in Chadds Ford and is the 8th largest credit union in the state of Pennsylvania. It is also the 260th largest credit union in the nation. It was established in 1970 and as of December of 2024, it had grown to 317 employees and 146,851 members at 18 locations. Franklin Mint Federal Credit Union (FMFCU)'s savings rates are 6X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Franklin Mint Federal Credit Union is open to those who live, work, worship, volunteer, attend school, or regularly conduct business, along with businesses and organizations, in specific areas of Pennsylvania and Delaware: portions of Philadelphia, Delaware and New Castle Counties, the Borough of West Chester, or Norristown. Immediate family member of a current FMFCU member or an eligible individual also qualify for membership, as are members of the FMFCU Foundation.
See current membership details

Reviews (1)

Disgusted. 20 Year Member. I'm Done.

Posted by: |

Don't even start with this unethical organization. Best of DelCo must mean there's nothing else to choose. If they have to pull .50 from your savings IN THEIR BANK, ATTACHED TO YOUR CHECKING ACCOUNT to cover a payment, they'll charge you $5. Even though a computer does it. Even if you've been a member for 20 years. Even if you have overdraft protection. Even if you've got tens of thousands in the accounts. It's straight up robbery. Go to a bank that's living in 2022, where banks aren't charging fees for that anymore. This is the bank of 1990. #CostOfLivingCrisis #Banks

4


Health
B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #20042
Year Chartered1970
Employees317
Primary Regulator
Profit Margin
Return on Assets - YTD0.06%
Return on Equity - YTD1.17%
Annual Interest Income$92.1MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$1.88B$1.84B
LoansQ4 2024vs Q4 2023$1.38B$1.44B
DepositsQ4 2024vs Q4 2023$1.66B$1.61B
Equity CapitalQ4 2024vs Q4 2023$100.1MM$97.8MM
Loan Loss AllowanceQ4 2024vs Q4 2023$12.5MM$15.5MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$12MM$11.2MM
Real Estate OwnedQ4 2024vs Q4 2023$0$259K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Franklin Mint Federal Credit Union (FMFCU) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%*$10k*-Business Power Savings
OTHER TIERS: 0.10% → $0 - $10k
3.25%*$10k*-Power Savings
OTHER TIERS: 0.10% → $0 - $10k
3.00%*$0$500Cub Account
OTHER TIERS: 0.10% → $500+
1.00%*$0$500Super Saver Savings
OTHER TIERS: 0.10% → $500+
1.00%*$0$2.5kHoliday E-Club
OTHER TIERS: 0.10% → $2.5k+
1.00%*$0$2.5kVacation E-Club
OTHER TIERS: 0.10% → $2.5k+
1.00%*$0$500Business Super Saver Savings
OTHER TIERS: 0.10% → $500+
0.50%$5-Coverdell Education Savings Account
0.10%$0-Statement Savings
0.10%$0-Holiday Club
0.10%$0-Vacation Club
0.10%$0-Business Statement Savings

Franklin Mint Federal Credit Union (FMFCU) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$100k*-Business Money Market
OTHER TIERS: 0.50% → $0 - $25k | 1.00% → $25k - $50k | 1.50% → $50k - $100k
1.00%*$500k*-Money Market
OTHER TIERS: 0.40% → $0 - $10k | 0.50% → $10k - $25k | 0.60% → $25k - $50k | 0.70% → $50k - $100k | 0.80% → $100k - $500k

Franklin Mint Federal Credit Union (FMFCU) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Business Performance Checking
OTHER TIERS: 0.10% → $0 - $25k | 0.15% → $25k - $50k | 0.20% → $50k - $100k
0.20%*$50k*-Performance Checking
OTHER TIERS: 0.10% → $0 - $25k | 0.15% → $25k - $50k

Franklin Mint Federal Credit Union (FMFCU) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-6 Month CD
4.00%$500-12 Month CD
4.00%$250-6 Month Youth CD
4.00%$250-12 Month Youth CD
4.00%$1k-Business 6 Month CD
4.00%$1k-Business 12 Month CD
3.90%$500-9 Month CD
3.90%$250-9 Month Youth CD
3.90%$1k-Business 9 Month CD
3.75%$500-18 Month CD
3.75%$250-18 Month Youth CD
3.75%$1k-Business 18 Month CD
3.50%$500-3 Month CD
3.50%$500-24 Month CD
3.50%$500-36 Month CD
3.50%$500-48 Month CD
3.50%$500-60 Month CD
3.50%$250-3 Month Youth CD
3.50%$250-24 Month Youth CD
3.50%$250-36 Month Youth CD
3.50%$250-48 Month Youth CD
3.50%$250-60 Month Youth CD
3.50%$1k-Business 3 Month CD
3.50%$1k-Business 60 Month CD
3.50%$1k-Business 30 Month CD
3.25%$500-24 Month Bump CD
3.25%$250-24 Month Youth Bump CD

Franklin Mint Federal Credit Union (FMFCU) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-6 Month IRA
4.00%$500-12 Month IRA
3.90%$500-9 Month IRA
3.75%$500-18 Month IRA
3.50%$500-3 Month IRA
3.50%$500-24 Month IRA
3.50%$500-36 Month IRA
3.50%$500-48 Month IRA
3.50%$500-60 Month IRA
3.25%$500-24 Month Bump IRA
0.50%$5-IRA Savings
0.50%$5-Roth Conversion IRA Savings
0.50%$5-Roth Contribution IRA Savings
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