Online Account Rates

Rates are current as of Thursday, April 1, 2021

Click on the account type to start the opening process.

Deposit Account Annual Percentage Yield
Checking Accounts  
Home Town Premier Checking1 0.01%
Home Town Free Checking1  
Home Town Student Checking1  
Savings Accounts  
Home Town Savings- $0 to $14,999.992 0.03%
Home Town Savings- $15,000 to $49,999.992 0.03%
Home Town Savings- $50,000 to $99,999.992 0.05%
Home Town Savings- $100,000 to $249,999.992 0.05%
Home Town Savings- $250,000 and above2 0.10%
Certificates of Deposit  
6 Month CD/ IRA3 0.05%
12 Month CD/ IRA3 0.10%
18 Month CD/ IRA3 0.10%
24 Month CD/ IRA3 0.10%
36 Month CD/ IRA3 0.10%
48 Month CD/ IRA3 0.10%
60 Month CD/ IRA3 0.10%
Money Market  
Money Market- $0 to $14,999.994 0.03%
Money Market- $15,000 to $49,999.994 0.05%
Money Market- $50,000 to $99,999.994 0.10%
Money Market- $100,000 to $499,999.994 0.15%
Money Market- $500,000 to $1,999,999.994 0.20%
Money Market- $2,000,000 to $4,999,999.994 0.40%
Money Market- $5,000,000 to $9,999,999.994 0.50%
Money Market- $10,000,000 and above4 0.55%

 

Disclaimer:

(1) A minimum deposit of $50.00 is required to open a Home Town Checking account. Home Town Premier Checking - 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 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.

(3) CD Products, also known as Investment Certificates. - Annual Percentage Yield (APY) assumes principal and interest would remain on deposit for at least one year. 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.

(4) 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.