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Franklin Trust Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Franklin Trust Federal Credit Union's top rates as of October 12, 2026 are 3.40% APY on its 24 Month Step Up CD, 1.97% APY on money market accounts, 0.01% APY on checking, and personal loans from 7.45% APR, according to rates verified by MonitorBankRates. Other Franklin Trust Federal Credit Union CD rates include IRA CDs - 24 month at 3.35%, IRA CDs - 30 month at 3.35%, and IRA CDs - 36 month at 3.35%. MonitorBankRates evaluates the financial stability of Franklin Trust Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.58%. Rates last updated and verified on 10/12/2026.

Franklin Trust Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Franklin Trust Federal Credit Union? Share your experience about Franklin Trust Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Franklin Trust Federal Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.58%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Franklin Trust Federal Credit Union
Corporate Office
624 Franklin Ave
Hartford, CT 06114
https://www.franklintrust.org
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Franklin Trust Federal Credit Union CD Rates

Product Rate APY Term View More
24 Month Step Up Certificate - 3.402% 24 months
Min Deposit $25
Details Contribute $25 per pay period; automatic deposits of at least $25 per paycheck required
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 12, 2026: 3.40% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
IRA Certificates - 24 month 3.30% 3.35% 24 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
IRA Certificates - 30 month 3.30% 3.35% 30 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
IRA Certificates - 36 month 3.30% 3.35% 36 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
IRA Certificates - 42 month 3.30% 3.35% 42 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
IRA Certificates - 48 month 3.30% 3.35% 48 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
IRA Certificates - 54 month 3.30% 3.35% 54 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
IRA Certificates - 60 month 3.30% 3.35% 60 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Regular Certificates - 24 month 3.30% 3.35% 24 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Regular Certificates - 30 month 3.30% 3.35% 30 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Regular Certificates - 36 month 3.30% 3.35% 36 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Regular Certificates - 42 month 3.30% 3.35% 42 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Regular Certificates - 48 month 3.30% 3.35% 48 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Regular Certificates - 54 month 3.30% 3.35% 54 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Regular Certificates - 60 month 3.30% 3.35% 60 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 20, 2026: 3.35% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
12 Month Step Up Certificate - 3.299% 12 months
Min Deposit $25
Details Contribute $25 per pay period; automatic deposits of at least $25 per paycheck required
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 12, 2026: 3.30% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
IRA Certificates - 12 month 3.20% 3.247% 12 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
IRA Certificates - 18 month 3.20% 3.247% 18 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Regular Certificates - 12 month 3.20% 3.247% 12 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Regular Certificates - 18 month 3.20% 3.247% 18 Months
Min Balance $1,000
Details 0.25% bonus on $50,000-$99,999.99. 0.50% bonus on $100,000 and over.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%

Franklin Trust Federal Credit Union Savings Rates

Product Rate APY View More
Clubs 0.01% 0.01%
Min Balance $200
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 20, 2026: 0.01% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%

Franklin Trust Federal Credit Union Money Market Rates

Product Rate APY View More
Gold Star Money Market 1.95% 1.968%
Min Balance $100,000
Details Balance: $100,000
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.97% APY · checked 5 times
1.47%1.97%2.47%Sep 20, 2026: 1.97% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Gold Star Money Market 1.70% 1.713%
Min Balance $50,000
Details Balance: $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.71% APY · checked 5 times
1.21%1.71%2.21%Sep 20, 2026: 1.71% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Gold Star Money Market 1.45% 1.46%
Min Balance $20,000
Details Balance: $20,000
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.46% APY · checked 5 times
0.96%1.46%1.96%Sep 20, 2026: 1.46% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Gold Star Money Market 0.01% 0.01%
Min Balance $2,000
Details Balance: $2,000
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 20, 2026: 0.01% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%

Franklin Trust Federal Credit Union Checking Rates

Product Rate APY View More
Advantage Checking 0.01% 0.01%
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 20, 2026: 0.01% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%

Franklin Trust Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - - 5.85% Up to 15 years
Details As Low As; Fixed rate; borrow up to 75% of home's value (60% for condominiums); fixed Home Equity loans available up to $450,000; 1 to 4 family owner-occupied homes in CT and MA
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.85% APR · checked 7 times
5.35%5.85%6.35%Sep 16, 2026: 5.85% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%

Franklin Trust Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loans - - 4.85% Up to 7 years
Details As Low As; Vehicle model years 2022 to 2026; Terms of 6 years on vehicle loans of $30,000 or more; terms of 7 years on loans of $30,000 or more and "A" or higher credit rating
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 4.85% APR · checked 3 times
4.35%4.85%5.35%Sep 16, 2026: 4.85% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
New Cars & Trucks Loan - - 4.85% 3-5 Years
Details Model years 2022-2026; Rates shown are lowest rates available
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 4.85% APR · checked 6 times
4.35%4.85%5.35%Sep 16, 2026: 4.85% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
New Cars & Trucks Loan - - 5.35% 6 Years
Details Model years 2022-2026; Terms of 6 years on vehicle loans of $30,000 or more
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.35% APR · checked 6 times
4.85%5.35%5.85%Sep 16, 2026: 5.35% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Used Auto Loans - - 5.35% Up to 5 years
Details As Low As; Vehicle model years 2017 to 2021
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.35% APR · checked 3 times
4.85%5.35%5.85%Sep 16, 2026: 5.35% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Used Cars & Trucks Loan - - 5.35% 3 Years
Details Model years 2017-2021; Rates shown are lowest rates available
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.35% APR · checked 6 times
4.85%5.35%5.85%Sep 16, 2026: 5.35% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
New Cars & Trucks Loan - - 5.60% 7 Years
Details Model years 2022-2026; Terms of 7 years on vehicle loans of $30,000 or more and "A" or higher credit rating
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.60% APR · checked 6 times
5.10%5.60%6.10%Sep 16, 2026: 5.60% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Used Cars & Trucks Loan - - 5.60% 4 Years
Details Model years 2017-2021; Rates shown are lowest rates available
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.60% APR · checked 6 times
5.10%5.60%6.10%Sep 16, 2026: 5.60% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Used Cars & Trucks Loan - - 5.85% 5 Years
Details Model years 2017-2021; Rates shown are lowest rates available
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.85% APR · checked 6 times
5.35%5.85%6.35%Sep 16, 2026: 5.85% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%

Franklin Trust Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loans - 1 Year 7.45% 1 Year
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.45% APR · checked 6 times
6.95%7.45%7.95%Sep 16, 2026: 7.45% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Personal Loans - 2 Years 7.95% 2 Years
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.95% APR · checked 6 times
7.45%7.95%8.45%Sep 16, 2026: 7.95% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Personal Loans - 3 Years 8.45% 3 Years
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 8.45% APR · checked 6 times
7.95%8.45%8.95%Sep 16, 2026: 8.45% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Personal Loans - 4 Years 8.95% 4 Years
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 8.95% APR · checked 6 times
8.45%8.95%9.45%Sep 16, 2026: 8.95% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Personal Loans - 5 Years 9.45% 5 Years
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.45% APR · checked 6 times
8.95%9.45%9.95%Sep 16, 2026: 9.45% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%

Franklin Trust Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Credit Builder Loan - - 17.99%
Details Fixed rate; Borrow up to $5,000; Non-refundable $20.00 processing fee; Apply via NetTeller
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 17.99% APR · checked 6 times
17.49%17.99%18.49%Sep 16, 2026: 17.99% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Quick Cash "Credit Repair" Loan - - 28.00%
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 28.00% APR · checked 6 times
27.50%28.00%28.50%Sep 16, 2026: 28.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Escrow 0.50% - 0.501%
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 20, 2026: 0.50% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
IRA Shares 0.01% - 0.01%
Min Balance $200
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 20, 2026: 0.01% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Shares 0.01% - 0.01%
Min Balance $200
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 20, 2026: 0.01% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Franklin Trust Federal Credit Union’s Texas Ratio fell from 5.64% in Q3 2023 to 3.58% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.9% 2.0★ 3.9% 3.0★ 5.8% 4.0★ 7.8% 5.0★ Healthy zone – entire history below the 15% limit 5.64% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.58% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$70M3.58%5.0A+
March 31, 2026$71M2.43%5.0A+
December 31, 2025$67M4.11%5.0A+
September 30, 2025$65M4.06%5.0A+
June 30, 2025$66M4.00%5.0A+
March 31, 2025$66M2.72%5.0A+
December 31, 2024$61M3.79%5.0A+
September 30, 2024$59M3.82%5.0A+
June 30, 2024$60M2.98%5.0A+
March 31, 2024$62M3.68%5.0A+
December 31, 2023$60M5.75%5.0A+
September 30, 2023$58M5.64%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Franklin Trust Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Franklin Trust Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Franklin Trust Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Franklin Trust Federal Credit Union
Website https://www.franklintrust.org
Address 624 Franklin Ave, Hartford, CT 06114
Phone 860-296-4379
Fax
President David Krikorian
CEO Deborah Althen
Full-Time Employees 24
Part-Time Employees 5
Branch Locations 1
ATM Locations 1
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.58%
Return on Assets (ROA)
0.4419%
Return on Equity (ROE)
4.4918%
Non-Performing Loans Ratio (NPL)
0.88%
Total Assets
69,982,675
Total Amount of Shares and Deposits
63,357,379
Total Shares and Deposits < 1 Year
59,747,351
Total Shares and Deposits 1 3 Years
1,807,806
Total Shares and Deposits > 3 Years
1,802,222
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,978,306
Total Uninsured Shares and Deposits > $250K (F+J)
1,978,306
Total Insured Shares and Deposits > $250K (item 17 less item K)
61,379,073
Total Interest Expense (Sum of items 6 8)
238,631
Share Certificates
276
Number of Accounts for Share Drafts
5,809
IRA KEOGH Accounts
147
Number of Accounts for Regular Shares
12,296
All other shares
597
Money Market Shares
340
Net Income (unless the amount is already included in Undivided Earnings)
121,730
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,920,138
Total Liabilities
63,679,388
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Franklin Trust Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Franklin Trust Federal Credit Union

How many branches does Franklin Trust Federal Credit Union operate?

Franklin Trust Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Franklin Trust Federal Credit Union?

Yes, to access services at Franklin Trust Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Franklin Trust Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Franklin Trust Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Franklin Trust Federal Credit Union offer online and mobile banking?

Most modern institutions like Franklin Trust Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.franklintrust.org.

Current Franklin Trust Federal Credit Union Rates

  • 12-Month CD3.25%
  • 18-Month CD3.25%
  • 24-Month CD3.35%
  • 60-Month CD3.35%
  • MMA1.97%
Retrieved from our database of financial products. Rates subject to change.

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