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Tioga‐Franklin savings accounts offer an attractive rate of return on your hard earned dollars while providing peace of mind knowing your principal is protected. All Deposit accounts come with online statements and account access, including access from your mobile device.Whether you’re building a foundation for the future or investing short term, Tioga‐Franklin has an account to meet your needs.


Meet Kasasa® at Tioga Franklin, the future generation of checking and savings accounts. Kasasa combines Cash Back and Rewards checking with high rates, easy access through Web and Mobile Banking, Mobile Deposits and Debit/ATM access. Expect More! Get More!


Savings Accounts

The Statement Savings Account, a popular choice, is a tiered-rate product that combines highly-competitive yields with a quarterly statement for your convenience.

The Passbook Savings Account is an excellent option for young savers learning money management skills.

There are never any fees associated with Tioga-Franklin savings accounts.

Certificates of Deposit

A Certificate of Deposit can be opened at Tioga-Franklin Savings Bank with as little as $500. A Certificate of Deposit guarantees the depositor the same yield for the entire term of the Certificate.

These types of accounts are offered in a variety of different maturities


Traditional IRAs and Roth IRAs offer growth, security and valuable tax advantages with total access to your money if you need it. Whether you want to build tax-deferred savings for later while making tax- deductible contributions now, or you would like to build assets for your heirs, there is an IRA product to fit your needs. Start moving towards a richer retirement with as little as $100.00.

The balance on which interest is paid is determined by the daily balance method, which applies a periodic rate to the full amount of principal in the account. On statement savings accounts the interest is credited quarterly on 3/31, 6/30, 9/30 and 12/31. All accounts are computed by simple interest based upon a 365 day year.

All certificates of deposit automatically renew at maturity. You will have ten caldendar days from maturity to withdraw funds without being charged a penalty. No interest will be paid during the ten day grace period if not renewed.

Each savings account customer of this bank is insured up to a maximum of Two Hundred and Fifty Thousand Dollars ($250,000.00) by the Federal Deposit Insurance Corporation.

Retirement Accounts are insured up to a maximum of Two Hundred and Fifty Thousand Dollars ($250,000.00) by the Federal Deposit Insurance Corporation.

Highly-competitive savings products to fit your needs.

Get more out of your savings.