We introduce CRAFT (Cross-layer Rank Adaptation via Frozen Tucker), a parameter-efficient fine-tuning (PEFT) method that applies Tucker tensor decomposition to pre-trained attention weight matrices stacked across transformer layers and trains only small square adaptation matrices on the resulting frozen Tucker factors. Existing tensor-based PEFT methods decompose gradient updates: LoTR applies Tucker decomposition with shared factor matrices, while SuperLoRA groups and reshapes $ΔW$ across layers before applying Tucker decomposition. Separately, methods like PiSSA apply SVD to pre-trained weights but operate independently per layer. CRAFT bridges these two lines of work: it performs full Tucker decomposition via Higher-Order SVD (HOSVD) directly on pre-trained weights organized as cross-layer 3D tensors, freezes all resulting factors, and adapts the model through lightweight trainable transformations applied to each factor matrix. Experiments on the GLUE benchmark using RoBERTa-base and RoBERTa-large demonstrate that CRAFT achieves competitive performance with existing methods while requiring only 41K Tucker adaptation parameters--a count independent of model dimension and depth at fixed Tucker ranks.