APY = Annual Percentage Yield. Rates effective as of August 1, 2017. Fees may reduce earnings.

Hometown Rewards with Interest See Details

BalanceInterest RateAPY
$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

Deposit Accounts

ProductBalanceInterest RateAPY
Hometown Saver All 0.35% 0.35%
1892 Founders Club Checking $1,000+ 0.20% 0.20%
Savings Account All 0.20% 0.20%
Business Savings Account All 0.20% 0.20%

Checking Plus See Details

BalanceInterest RateAPY
$1,000 - $4,999.99 0.10% 0.10%
$5,000+ 0.15% 0.15%

Health Savings Account See Details

BalanceInterest RateAPY
$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 See Details

BalanceInterest RateAPY
$2,500 - $9,999.99 0.15% 0.15%
$10,000 - $24,999.99 0.18% 0.18%
$25,000+ 0.20% 0.20%

Certificates of Deposit See Details

TermInterest RateAPY
1 Month 0.45% 0.45%
3 Months 0.50% 0.50%
6 Months 0.55% 0.55%
12 Months 0.75% 0.75%
18 Months 1.00% 1.00%
30 Months 1.25% 1.26%
48 Months 1.50% 1.51%
60 Months 1.75% 1.76%

Penalty for early withdrawal.

Individual Retirement Accounts See Details

TermInterest RateAPY
18 Month Variable 1.05% 1.05%
12 Month Fixed 0.80% 0.80%
18 Month Fixed 1.05% 1.05%
30 Month Fixed 1.30% 1.31%

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

Business Checking Plus See Details

BalanceInterest RateAPY
$1,000 - $4,999.99 0.10% 0.10%
$5,000+ 0.15% 0.15%

Business Certificates of Deposit See Details

TermInterest RateAPY
1 Month 0.45% 0.45%
3 Months 0.50% 0.50%
6 Months 0.55% 0.55%
12 Months 0.75% 0.75%
18 Months 1.00% 1.00%
30 Months 1.25% 1.26%
48 Months 1.50% 1.51%
60 Months 1.75% 1.76%

Penalty for early withdrawal.

Business Money Market Account See Details

BalanceInterest RateAPY
$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) See Details

TermInterest RateAPY
18 Month Variable 1.05% 1.05%
12 Month Fixed 0.80% 0.80%
18 Month Fixed 1.05% 1.05%
30 Month Fixed 1.30% 1.31%

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.