APY = Annual Percentage Yield. Rates effective as of February 14, 2025. 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 | 0.60% | 0.60% |
| 1892 Founders Club Checking | $1,000+ | 0.75% | 0.75% |
| Savings Account | All | 0.50% | 0.50% |
| Business Savings Account | All | 0.50% | 0.50% |
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 |
|---|---|---|
| 3 Months | 3.50% | 3.55% |
| 6 Months | 3.60% | 3.65% |
| 12 Months | 3.65% | 3.70% |
| 18 Months | 3.45% | 3.49% |
| 24 Months | 3.45% | 3.49% |
| 30 Months | 3.40% | 3.44% |
| 48 Months | 3.40% | 3.44% |
| 60 Months | 3.40% | 3.44% |
Penalty for early withdrawal.
CD Specials Learn More
CD Specials
| Term | Interest Rate | APY |
|---|---|---|
| 7 Month | 4.00% | 4.06% |
| 25 Month | 3.75% | 3.80% |
Penalty For Early Withdrawal.
Minimum opening deposit of $500.00 required.
CD Specials offered for a limited time.
Individual Retirement Accounts Learn More
| Term | Interest Rate | APY |
|---|---|---|
| 18 Month Variable | 3.45% | 3.49% |
| 12 Month Fixed | 3.65% | 3.70% |
| 18 Month Fixed | 3.45% | 3.49% |
| 30 Month Fixed | 3.40% | 3.44% |
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 |
|---|---|---|
| 3 Months | 3.50% | 3.55% |
| 6 Months | 3.60% | 3.65% |
| 12 Months | 3.65% | 3.70% |
| 18 Months | 3.45% | 3.49% |
| 24 Months |
3.45% |
3.49% |
| 30 Months | 3.40% | 3.44% |
| 48 Months | 3.40% | 3.44% |
| 60 Months | 3.40% | 3.44% |
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 | 3.45% | 3.49% |
| 12 Month Fixed | 3.65% | 3.70% |
| 18 Month Fixed | 3.45% | 3.49% |
| 30 Month Fixed | 3.40% | 3.44% |
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.