Business Savings and CDs

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Stay on Track with our Business Options

Whether preparing for the seasonality of your business or considering its long-term growth opportunities, it’s important to have a savings plan in place. HNB’s savings options can help you keep your business on track. Visit one of our office locations to open your account today! Our dedicated team welcomes the opportunity to help build a strategy and identify solutions that will support your needs.


Statement Savings Account

Features and Benefits
Account Requirements
  • $100 minimum balance requirement to waive $2.00 monthly service charge
  • Accrued interest to date is not paid on accounts closed prior to quarter end
  • Fees could reduce earnings
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Certificates of Deposit (CDs)

Features and Benefits
  • 30 day – 5 year terms available
  • Rates are determined based upon the term of the investment
  • HNB Flex CD allows for deposits, one rate adjustment and one penalty-free withdrawal per term
Account Requirements
  • $1,000 minimum investment amount
  • Annual Percentage Yields (APYs) must be quoted when given rates
  • Fees are assessed on early withdrawals or premature closing
  • Fees could reduce earnings

Money Market Deposit Accounts (MMDA)

Features and Benefits
Account Requirements
  • $1,000 minimum account balance to waive $5 monthly service fee¹
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Investor’s Advantage MMDA

Features and Benefits
  • Interest is accrued daily, credited and compounded monthly
  • Interest rate may change daily, with no minimum or maximum
  • Immediate access to all collected funds
  • all of the benefits of Free Business Checking
  • Earn tiered-interest on account balances when each tier is reached:
    • Less than $2,500
    • $2,500 – $9,999.99
    • $10,000 – $24,999.99
    • $25,000 – $49,999.99
    • $50,000 – $99,999.99
    • $100,000 – $249,999.99
    • $250,000 – $499,999.99
    • $500,000 – $999,999.99
    • $1,000,000 or greater
Account Requirements
  • Fees may reduce earnings
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As of Monday, November 2, 2020, transfer and withdrawal limits will no longer apply to your HNB Savings Accounts or Money Market Accounts allowing you greater flexibility with your money management needs.  You can now experience greater ease managing your finances using our convenient digital offerings and service locations as often as the need arises.

¹Fees may reduce earnings. Rates are subject to change after account opening.