APY = Annual Percentage Yield. Rates effective as of November 13, 2019. Fees may reduce earnings.
Hometown Rewards with Interest
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| Balance |
Interest Rate |
APY |
| $0.01 - $25,000 |
2.00% |
2.02% |
| $25,000.01+ |
0.35% |
2.02% to 0.68% |
| All balances if qualifications not met |
0.15% |
0.15% |
Qualifications
Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Hometown Rewards with Interest account each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Receive statement monthly electronically
| Balance |
Interest Rate |
APY |
| $1,000 - $4,999.99 |
0.10% |
0.10% |
| $5,000+ |
0.15% |
0.15% |
Health Savings Account
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| Balance |
Interest Rate |
APY |
| $0.01 - $9,999.99 |
0.10% |
0.10% |
| $10,000 - $24,999.99 |
0.15% |
0.15% |
| $25,000+ |
0.18% |
0.18% |
Money Market Account
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| Balance |
Interest Rate |
APY |
| $2,500 - $9,999.99 |
0.15% |
0.15% |
| $10,000 - $24,999.99 |
0.18% |
0.18% |
| $25,000+ |
0.20% |
0.20% |
Hometown Money Market Deposit Account
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| Balance |
Interest Rate |
APY |
| $0.01 - $25,000.00 |
0.35% |
0.35% |
| $25,000.01 - $100,000.00 |
0.50% |
0.35% - 0.46% |
| $100,000.01 - $250,000.00 |
0.75% |
0.46% - 0.64% |
| $250,000.01 + |
1.75% |
0.64% - 1.19% |
Certificates of Deposit
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| Term |
Interest Rate |
APY |
| 1 Month |
.75% |
.75% |
| 3 Months |
1.00% |
1.00% |
| 6 Months |
1.20% |
1.21% |
| 12 Months |
1.60% |
1.61% |
| 18 Months |
1.60% |
1.61% |
| 24 Months |
1.60% |
1.61% |
| 30 Months |
1.60% |
1.61% |
| 48 Months |
1.70% |
1.71% |
| 60 Months |
1.70% |
1.71% |
| |
|
|
Penalty for early withdrawal.
With the Hometown Freedom CD, you have the freedom to:
- Add to CD at anytime
- make 2 penalty free withdrawals
| Term |
Interest Rate |
APY |
| 24 Months |
1.45% |
1.46% |
Minimum opening deposit of $500.00 required. Additions to CD in minimum amounts of $100.00. After 2 withdrawals, early withdrawal penalties apply.
CD Specials offered for a limited time.
Individual Retirement Accounts
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| Term |
Interest Rate |
APY |
| 18 Month Variable |
1.65% |
1.66% |
| 12 Month Fixed |
1.65% |
1.66% |
| 18 Month Fixed |
1.65% |
1.66% |
| 30 Month Fixed |
1.65% |
1.66% |
Penalty for early withdrawal. Variable rate certificate-rate is subject to change quarterly (3-31, 6-30, 9-30, 12-31).
Business Checking Plus
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| Balance |
Interest Rate |
APY |
| $1,000 - $4,999.99 |
0.10% |
0.10% |
| $5,000+ |
0.15% |
0.15% |
Business Certificates of Deposit
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| Term |
Interest Rate |
APY |
| 1 Month |
.75% |
.75% |
| 3 Months |
1.00% |
1.00% |
| 6 Months |
1.20% |
1.21% |
| 12 Months |
1.60% |
1.61% |
| 18 Months |
1.60% |
1.61% |
| 24 Months |
1.60%
|
1.61% |
| 30 Months |
1.60% |
1.61% |
| 48 Months |
1.70% |
1.71% |
| 60 Months |
1.70% |
1.71% |
Penalty for early withdrawal.
Business Money Market Account
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| Balance |
Interest Rate |
APY |
| $2,500 - $9,999.99 |
0.15% |
0.15% |
| $10,000 - $24,999.99 |
0.18% |
0.18% |
| $25,000+ |
0.20% |
0.20% |
Simplified Employee Pension (SEP IRA)
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| Term |
Interest Rate |
APY |
| 18 Month Variable |
1.65% |
1.66% |
| 12 Month Fixed |
1.65% |
1.66% |
| 18 Month Fixed |
1.65% |
1.66% |
| 30 Month Fixed |
1.65% |
1.66% |
Penalty for early withdrawal. Variable rate certificate-rate is subject to change quarterly (3-31, 6-30, 9-30, 12-31).
Annual Percentage Yields (APY) on certificates are based on actual days per month/per year and quarterly compounding.
