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APY = Annual Percentage Yield. Rates effective as of January 12, 2023. Fees may reduce earnings.

Hometown Rewards with Interest Learn More

Balance Interest Rate APY
$0.01 - $25,000 2.00% 2.02%
$25,000.01+ 0.35% 2.02% to 0.43%
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

Deposit Accounts

Product Balance Interest Rate APY
Hometown Saver All 0.70% 0.70%
1892 Founders Club Checking $1,000+ 0.75% 0.75%
Savings Account All 0.60% 0.60%
Business Savings Account All 0.60% 0.60%

Checking Plus Learn More

Balance Interest Rate APY
$1,000 - $4,999.99 0.60% 0.60%
$5,000+ 0.70% 0.70%

Health Savings Account Learn More

Balance Interest Rate APY
$0.01 - $9,999.99 0.50% 0.50%
$10,000 - $24,999.99 0.55% 0.55%
$25,000+ 0.60% 0.60%

Money Market Account Learn More

Balance Interest Rate APY
$2,500 - $9,999.99 1.00% 1.00%
$10,000 - $24,999.99 1.10% 1.11%
$25,000+ 1.35% 1.36%

Hometown Money Market Deposit Account Learn More

Balance Interest Rate APY
$0.01 - $25,000.00 1.20% 1.21%
$25,000.01 - $100,000.00 1.45% 1.21% - 1.40%
$100,000.01 - $250,000.00 1.60% 1.40% - 1.53%
$250,000.01 + 2.00% 1.53% - 1.77%

Certificates of Deposit Learn More

Term Interest Rate APY
1 Month 2.85% 2.89%
3 Months 2.90% 2.93%
6 Months 3.05% 3.09%
12 Months 3.25% 3.29%
18 Months 3.30% 3.34%
24 Months 3.50% 3.55%
30 Months 3.65% 3.70%
48 Months 3.75% 3.80%
60 Months 3.85% 3.91%
     

Penalty for early withdrawal.

CD Specials Learn More

13 Month CD Special

 
Term Interest Rate APY
13 Month 3.55% 3.60%

Penalty For Early Withdrawal.

24 Month Bump Up CD

With the 24 Month Bump Up CD , you can:

  • Add to CD at anytime
  • Option of 1 Rate Bump During Term of CD at Current 24 Month Rate
Term Interest Rate APY
24 Months 3.75% 3.80%

Minimum opening deposit of $500.00 required.  Additions to CD in minimum amounts of $100.00.  

CD Specials offered for a limited time.

 

Individual Retirement Accounts Learn More

Term Interest Rate APY
18 Month Variable 3.30% 3.34%
12 Month Fixed 3.25% 3.29%
18 Month Fixed 3.30% 3.34%
30 Month Fixed 3.65% 3.70%

Penalty for early withdrawal. Variable rate certificate-rate is subject to change quarterly (3-31, 6-30, 9-30, 12-31).

Business Checking Plus Learn More

Balance Interest Rate APY
$1,000 - $4,999.99 0.60% 0.60%
$5,000+ 0.70% 0.70%

Business Certificates of Deposit Learn More

Term Interest Rate APY
1 Month 2.85% 2.89%
3 Months 2.90% 2.93%
6 Months 3.05% 3.09%
12 Months 3.25% 3.29%
18 Months 3.30% 3.34%
24 Months

3.50%

3.55%
30 Months 3.65% 3.70%
48 Months 3.75% 3.80%
60 Months 3.85% 3.91%

Penalty for early withdrawal.

Business Money Market Account Learn More

Balance Interest Rate APY
$2,500 - $9,999.99 1.00% 1.00%
$10,000 - $24,999.99 1.10% 1.11%
$25,000+ 1.35% 1.36%

Simplified Employee Pension (SEP IRA) Learn More

Term Interest Rate APY
18 Month Variable 3.30% 3.34%
12 Month Fixed 3.25% 3.29%
18 Month Fixed 3.30% 3.34%
30 Month Fixed 3.65% 3.70%

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.