Enjoy peace of mind knowing your money is growing.
Certificates of Deposit offer you an opportunity for earning money through competitive interest rates in exchange for locking in funds for a fixed period of time. Hometown Community Banks offers a variety of CD terms ranging from 3 months to 10 years. Whether you choose a short or long term, CDs can help you save for financial goals. Generally, a higher rate of return is earned for longer term CDs.
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Additional FDIC Insurance Protections Options
Looking for FDIC Insurance protections for amounts over $250,000? Certificate of Deposit Account Registry Service (CDARS) offers FDIC Insurance up to $50 million.
Contact your local Hometown Banker for specific CDARS terms and rates.
An Insured Cash Sweep (ICS) account provides FDIC Insurance protection for amounts over $250,000 while earning interest on excess cash balance.
Both CDARS and ICS are created by Promontory Interfinancial Network and offered through local financial institutions you know and trust to make your funds work harder. To learn more, please contact your local Hometown Bankers or click here to learn more about the Promotontory Interfinancial Network.
Link to https://www.promnetwork.com/solutions/depositors
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Rates effective as of
January 18, 2021 | Under $100,000 | $100,000 and Over |
| Term | Interest Rate | APY | Interest Rate | APY |
|---|
| 10 Years | 1.01% | 1.01% | 1.06% | 1.07% |
| 5 Years | 0.61% | 0.61% | 0.67% | 0.67% |
| 48 Months | 0.32% | 0.32% | 0.38% | 0.38% |
| 36 Months | 0.28% | 0.28% | 0.34% | 0.34% |
| 24 Months | 0.16% | 0.16% | 0.22% | 0.22% |
| 12 Months | 0.11% | 0.11% | 0.17% | 0.17% |
| 6 Months | 0.08% | 0.08% | 0.14% | 0.14% |
| 3 Months | 0.05% | 0.05% | 0.11% | 0.11% |
Minimum Opening Deposit is $1,000. APY is Annual Percentage Yield.
* Withdrawals of interest may reduce earnings. A penalty may be imposed for early withdrawal. Specials cannot be combined with any other offers. Interest begins to accrue on the business day you deposit non-cash items.
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