Current Rates
Certificates of Deposit (CD) Rates
Rates are updated daily and are subject to change.1,2
Minimum balance to open and maintain account is $1,000.00.
| Term | Regular CDs Rate - APY | Flex CDs Rate - APY |
|---|---|---|
| 3 Months | 0.35% - 0.35% | N/A |
| 6 Months | 0.40% - 0.40% |
0.30% - 0.30% |
| 7 Months | 4.25% - 4.29% | N/A |
| 12 Months | 0.50% - 0.50% | 0.40% - 0.40% |
| 13 Months |
3.25% - 3.25% |
N/A |
| 24 Months | 0.60% - 0.60% | N/A |
| 36 Months | 0.70% - 0.70% | N/A |
| 48 Months | 0.75% - 0.75% | N/A |
| 60 Months & Longer | 0.85% - 0.85% | N/A |
| 60 Month IRA | 0.85% - 0.85% | N/A |
*Annual Percentage Yields (APY) shown are for interest added back to the Certificate of Deposit (CD) for compounding, where applicable. Rates are effective as of Monday, September 30, 2024 and are subject to change. The interest rate for the 7-month CD is 4.25% with a 4.29% APY. The interest rate for the 13-month CD is 3.25% with a 3.25% APY, for which payout of interest will be disbursed and may not remain on deposit within the account. Receipt of the promotional rate is contingent upon a minimum investment of $1000 per CD. At expiration of the CD term, the CD will automatically renew at the nearest preceding CD term unless otherwise directed by the account holder. Penalties imposed for early withdrawal. Fees could reduce earnings. Other rates and terms may also be available. HNB is not accepting CDs from brokers, or financial institutions or non-customers from outside of our immediate market area. Ask an employee for additional information on applicable fees and terms.
Money Market Deposit Rates
Regular Money Market Deposit Rates
Rates are updated daily and are subject to change.1
Minimum to open is $1,000.
| Daily Balances | Rate | APY |
|---|---|---|
| Less Than $2,500 | 0.15% | 0.15% |
| Greater Than or Equal to $2,500 | 0.65% | 0.65% |
1APY is Annual Percentage Yield. Interest is accrued daily and credited and compounded monthly. Transaction limitations do not apply. Rates subject to change. Fees could reduce earnings. Other rates and terms may also be available.
Select Money Market Deposit Rates
Rates are updated daily and are subject to change.1
Minimum to open is $1,000.
| Daily Balances | Rate | APY |
|---|---|---|
| $25,000 - $99,999.99 | 0.85% | 0.85% |
| $100,000 - $499,999.99 | 1.15% | 1.16% |
| $500,000 & $999,999.99 | 1.30% | 1.31% |
| $1,000,000 - $2,499,999.99 | 1.50% | 1.51% |
| $2,500,000 & Above | 1.50% | 1.51% |
1APY is Annual Percentage Yield. Interest is accrued daily and credited and compounded monthly. Transaction limitations do not apply. Rates subject to change. Fees could reduce earnings. Other rates and terms may also be available.
Investors Advantage Money Market Deposit Rates
Rates are updated daily and are subject to change.1
Minimum to open is $1,000.
| Daily Balances | Rate | APY |
|---|---|---|
| $2,500 - $9,999.99 | 0.65% | 0.65% |
| $10,000 - $24,999.99 | 0.65% | 0.65% |
| $25,000 - $49,999.99 | 0.85% | 0.85% |
| $50,000 - $99,999.99 | 0.85% | 0.85% |
| $100,000 - $249,999.99 | 1.15% | 1.16% |
| $250,000 - $499,999.99 | 1.15% | 1.16% |
| $500,000 - $999,999.99 | 1.30% | 1.31% |
| $1,000,000 & Above | 1.50% | 1.51% |
1APY is Annual Percentage Yield. Interest is accrued daily and credited and compounded monthly. Transaction limitations do not apply. Rates subject to change. Fees could reduce earnings. Other rates and terms may also be available.
Other Deposit Rates
Rates are updated daily and are subject to change.1
| Account Type | Rate | APY | Minimum to Open |
|---|---|---|---|
| Statement Saving | 0.10% | 0.10% | $100 |
| Interest Checking |
0.10% | 0.10% | $1,000 |
| Holiday Club - AFT | 0.00% | 0.00% | $2 |
| Holiday Club - Coupon Book | 0.00% | 0.00% | -- |
| All Purpose Club - AFT | 0.00% | 0.00% | $2 |
| All Purpose Club - Coupon Book | 0.00% | 0.00% | -- |
1APY is Annual Percentage Yield. Interest is accrued daily and credited and compounded monthly. Transaction limitations do not apply. Rates subject to change. Fees could reduce earnings. Other rates and terms may also be available.
Current CD Special Rate
4.29% APY*
for 7 Months3.25% APY*
for 13 Months
Rates are updated daily and are subject to change.1,2
Minimum balance to open and maintain account is $1,000.00.
*Annual Percentage Yields (APY) shown are for interest added back to the Certificate of Deposit (CD) for compounding, where applicable. Rates are effective as of Monday, September 30, 2024 and are subject to change. Receipt of the promotional rate is contingent upon a minimum investment of $1000 per CD. The CD will automatically renew at the nearest preceding CD term unless otherwise directed by the account holder. Penalties imposed for early withdrawal. Fees could reduce earnings. Other rates and terms may also be available. HNB is not accepting CDs from brokers, or financial institutions or non-customers from outside of our immediate market area.
High-Yield Money Market Deposit Account
3.51% APY*
- Must maintain a Premier Checking Account
- Must maintain $2,500 minimum to open
- If balance falls below $2,500 in a statement cycle, a $5 fee will be instated*
- $25,000 minimum to earn interest
- If the balance falls below $25,000, interest rate will drop to 0% Annual Percentage Yield (APY) until the balance once again meets or exceeds the threshold
*Fees may reduce earnings. See full details below.
*Annual Percentage Yield (APY) is a variable rate effective as of Wednesday, October 2, 2024. No minimum to open. Account must maintain a balance of $25,000 or more to receive the APY. If the balance falls below $25,000 the interest rate will drop to 0.00% APY until the balance once again meets or exceeds the threshold. If balance falls below $2,500 in a statement cycle, a $5 fee will be instated. These fees could reduce earnings on the account. Receipt of the interest rate is also contingent upon the account holder maintaining an HNB Premier Checking account in good standing. Member FDIC.