Deposit Rates
Effective As Of 4/7/2025
Checking Account
Personal Checking
| Program | APY | Interest Rate |
|---|---|---|
| Hometown Premium Checking (tier 1 $0-$2,499) | 0.05% | 0.05% |
| Hometown Premium Checking (tier 2 >$2,499) | 0.10% | 0.10% |
| Hometown 50+ Checking | 0.03% | 0.03% |
Interest Rate and Annual Percentage Yield (APY) are accurate as of the date indicated.
Fees may reduce earnings.
Minimum Deposit to open account is $50.
Business Checking
| Program | APY | Interest Rate |
|---|---|---|
| Hometown Business Interest Checking | 0.03% | 0.03% |
Interest Rate and Annual Percentage Yield (APY) are accurate as of the date indicated.
Fees may reduce earnings.
Minimum Deposit to open account is $50.
Savings & Money Market
Statement Savings - Personal & Business
| Tier | APY | Interest Rate |
| $25 - $500 | 0.03% | 0.03% |
| Over $500 | 0.05% | 0.05% |
Interest Rate and Annual Percentage Yield (APY) are accurate as of the date indicated.
Fees may reduce earnings.
Minimum Deposit to open account is $50.
Christmas Club - Personal
| Program | APY | Interest Rate |
|---|---|---|
| Christmas Club Direct | 0.25% | 0.25% |
Interest Rate and Annual Percentage Yield (APY) are accurate as of the date indicated.
Fees may reduce earnings.
No Minimum Deposit to open account.
Money Market Accounts - Personal & Business
| Tier | APY | Interest Rate |
|---|---|---|
| Balances $500 up to $10,000 | 0.05% | 0.05% |
| Balances $10,000.01 - $50,000 | 0.05% | 0.05% |
| Balances $50,000.01 - $100,000 | 0.25% | 0.25% |
| Balances $100,000.01 - $500,000 | 1.51% | 1.50% |
| Balances over $500,000 | 2.02% | 2.00% |
The interest rate and *Annual percentage yield (APY) are subject to change after the account is opened without notice.
Fees may reduce earnings.
Certificate of Deposit
| Program | APY | Interest Rate |
|---|---|---|
| 3 Months | 1.00% | 1.00% |
| 6 Months | 1.01% | 1.00% |
| 12 Months | 1.01% | 1.00% |
| 18 Months | 1.01% | 1.00% |
| 24 Months | 1.01% | 1.00% |
| 36 Months | 1.01% | 1.00% |
| 48 Months | 1.01% | 1.00% |
| 60 Months | 2.75% | 2.71% |
Contact us for rates on amounts over $100,000.
Rates subject to change.
Minimum Deposit to open account is $500.00.
Penalty for early withdrawal.
Fees may reduce earnings.
Individual Retirement Accounts (IRA) – Personal
| Program | APY | Interest Rate |
|---|---|---|
| 12 Months | 1.50% | 1.49% |
| 24 Months | 1.50% | 1.49% |
| 36 Months | 3.00% | 2.96% |
| 48 Months | 3.00% | 2.96% |
| 60 Months | 2.75% | 2.71% |
Contact us for rates on amounts over $100,000.
Rates subject to change.
Minimum Deposit to open account is $500.00.
Penalty for early withdrawal.
Fees may reduce earnings.
