Current Interest Rates » Online

Click on the account type below to open an account.

Rates are current as of Thursday, January 19, 2023

Deposit Account Annual Percentage Yield
Checking Account
Home Town Premier Checking 1 0.01%
Home Town Free Checking 2  
Home Town Student Checking 3  
Savings Accounts 4
Home Town Savings- $0 to $14,999.99 0.05%
Home Town Savings- $15,000 to $49,999.99 0.06%
Home Town Savings- $50,000 to $99,999.99 0.10%
Home Town Savings- $100,000 to $249,999.99 0.20%
Home Town Savings- $250,000 and above 0.20%
Certificates of Deposit 5
6 Months CD 3.75%
12 Months CD 3.50%
18 Months CD 0.10%
2 Year CD 0.10%
3 Year CD 0.10%
4 Year CD 0.10%
5 Year CD 0.10%
Money Market 6
Money Market- $2,500 to $14,999.99 0.05%
Money Market- $15,000 to $49,999.99 0.06%
Money Market- $50,000 to $99,999.99 0.10%
Money Market- $100,000 to $499,999.99 0.20%
Money Market- $500,000 to $1,999,999.99 0.30%
Money Market- $2,000,000 to $4,999,999.99 1.00%
Money Market- $5,000,000 to $9,999,999.99 1.00%
Money Market- $10,000,000 and above 1.00%


Disclaimer:

(1) A minimum deposit of $50.00 is required to open a Home Town Premier Checking account, a Daily minimum collected balance of $500.00 is required to earn interest. Monthly average collected balance of $500.00 or reoccurring direct deposit of payroll, retirement, or social security income is required to avoid $5.00 monthly service fee. Rate may change after account is opened. Fees may reduce earnings.
(2) A minimum deposit of $50.00 is required to open a Home Town Free Checking account.
(3) A minimum deposit of $50.00 is required to open a Home Town Student Checking account.
(4) A minimum deposit of $50.00 is required to open a Home Town Passbook and Statement Savings Account, and you must keep a $200.00 Daily minimum available balance to avoid a monthly service charge and earn interest. Rate may change after account is opened. Fees may reduce earnings.
(5) Annual Percentage Yield (APY). A minimum deposit of $500.00 is required to open a Certificate of Deposit. The Daily minimum balance requirement to achieve APY is $500. Interest is accrued daily and credited monthly. Substantial penalty for early withdrawal. Fees may reduce earnings. Withdrawals of interest will reduce earnings.
(6) A minimum deposit of $2,500.00 is required to open a Money Market account. A Daily minimum statement balance of $2,500.00 is required to avoid a monthly service charge of $10.00. Rate may change after account is opened. Monthly service charges or fees could reduce earnings. Interest is calculated using the collected balance and interest earnings are accrued without compounding and deposited monthly.
Please note: We reserve the right to alter or withdraw this product or certain features thereof without prior notification. Rates listed are for accounts that are opened online.