Current Rates


Rates effective September 19, 2016 to September 25, 2016

All depositors are insured up to $250,000.00 by the Federal Deposit Insurance Corporation.
Rates may not be available outside of Tazewell, Peoria, Woodford, Mason, Marshall, Fulton, McDonough, Warren, Livingston and McLean Counties in Illinois.
APY is Annual Percentage Yield



The Amazing Account Checking

AmountRateAPY
Portion $5,000 & below5.01%5.01%
Portion over $5,0000.10%0.10%

Minimum Opening deposit is $20.  Interest is paid in points, redeemable for cash, gift cards, merchandise or travel.   We use the average daily balance method to calculate interest on The Amazing Account.  Points will be credited to you monthly on the second business day following month end.  Each point has a Cash Back redemption value of $0.01.  Points will expire four years after the date of issuance, and are redeemable on a first-in, first- out basis. Stated interest rate and APY is paid on the first $5,000 in your account provided 10 debit card purchases post and clear your account during the monthly statement cycle, otherwise 0.10% APY is paid on the entire balance in your account.  The Amazing Account is available to consumers only and is limited to two accounts per person.  A consumer account is one that is used primarily for personal, family or household purposes.  eStatements required.  Paper statements are available for $2 per statement cycle.  Rate is variable and may change after the account is opened.  Fees may reduce earnings on account. 




Money Market

AmountRateAPY
$10,000 and up 0.05% 0.05%
$2,500 - $9,999 0.03% 0.03%
$2,499 & below 0.00%0.00%

Minimum Opening Deposit is $100.
Rate is variable and may change after the account is opened.




Prime Money Market

AmountRateAPY
$25,000 and up0.17%0.17%
$15,000 to $24,9990.05%0.05%
$14,999 & below0.00% 0.00%

Minimum Opening Deposit is $15,000.
Rate is variable and may change after the account is opened.




Interest Checking

AmountRateAPY
$15,000 and up 0.04%0.04%
$5,000 to $14,9990.04%0.04%
$1,000 to $4,9990.04%0.04%
$999 & below0.00%0.00%

Minimum Opening Deposit is $50.
Rate is variable and may change after the account is opened.




Certificate Specials*

Under $100,000$100,000 and Over
TermRateAPYRateAPY
9 Month0.51%0.51%0.57%0.57%
39 Month1.24%1.25%1.30%1.31%

Minimum Opening Deposit is $10,000 for 39 Month CD. Minimum Opening Deposit is $1,000 for 9 Month CD




Certificate of Deposit*

Under $100,000$100,000 and Over
TermRateAPYRateAPY
10 Years1.99%2.01%2.05%2.07%
5 Years1.50%1.51%1.56%1.57%
48 Months1.06%1.07%1.12%1.13%
36 Months0.42%0.42%0.48%0.48%
24 Months0.24%0.24%0.30%0.30%
18 Months0.18%0.18%0.24%0.24%
12 Months0.10%0.10%0.16%0.16%
9 Months.51%.51%.57%.57%
6 Months0.06%0.06%0.12%0.12%
3 Months0.05%0.05%0.11%0.11%

Minimum Opening Deposit is $1,000.
* 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




Amazing Savings

AmountRateAPY
Portion $5,000 and below0.50%0.50%
Portion over $5,0000.10%0.10%

Minimum opening deposit is $20.  Interest is paid in points, redeemable for cash, gift cards, merchandise or travel.  We use the average daily balance method to calculate interest on Amazing Savings.  Points will be credited to you monthly on the second business day following month end. Each point has a Cash Back redemption value of $0.01.  Points will expire four years after the date of issuance, and are redeemable on a first-in, first- out basis.  Rate is variable and may change after the account is opened.




Regular Passbook Savings

AmountRateAPY
Full Balance0.05%0.05%

Minimum Opening Deposit is $50.
Rate is variable and may change after the account is opened.




Christmas Club

AmountRateAPY
Full Balance0.05%0.05%

See us for specific details on Christmas Club Accounts.
Rate is variable and may change after the account is opened.




Individual Retirement Account Special

Under $100,000$100,000 and Over
TermRateAPYRateAPY
5 Year IRA1.60%1.61%1.66%1.67%

Minimum Opening Deposit is $5,000.




IRA Accounts

Under $100,000$100,000 and Over
TermRateAPYRateAPY
10 Years1.99%2.01%2.05%2.07%
5 Years1.60%1.61%1.66%1.67%
48 Months1.06%1.07%1.12%1.13%
36 Months0.42%0.42%0.48%0.48%
24 Months0.24%0.24%0.30%0.30%
18 Months0.18%0.18%0.24%0.24%
12 Months0.10%0.10%0.16%0.16%

Minimum Opening Deposit is $1,000.




Money Market IRA

AmountRateAPY
Full Balance0.10%0.10%

Rate is variable and may change after the account is opened.




Health Savings Accounts

AmountRateAPY
Full Balance1.00%1.00%

Rate is variable and may change after the account is opened.



Interest on all accounts, except certificates of deposit, begins to accrue no later than the business day the bank receives credit for the deposit of non-cash items.

For purposes of determining applicable rates, deposit amounts are rounded down to the nearest dollar.  For example, a balance of $14,999.90 would qualify for rates payable on deposits up to $14,999, not for rates payable on deposits on deposits of $15,000 or over.

We use the daily balance method to calculate interest on all accounts except The Amazing Account and the Amazing Savings account.  Annual Percentage Yield (APY) calculations are for a one year period (365 days) and compounded on a monthly basis.

Account fees may reduce earnings.

 



Hometown Community Banks
Morton, IL
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