Home Personal Banking Business Banking Loans Services eServices Financial Calculators Contact Us Rates & Fees Rates Fees Certificates of Deposit Rates as of November 1, 2021 Term of CD Minimum Opening Balance Interest Rate Annual Percentage Yield Jumbo Interest Rate Jumbo Annual Percentage Yield*** 6 months $1,000 0.15% 0.15% 0.15% 0.15% 12 months $1,000 0.20% 0.20% 0.20% 0.20% 18 months $1,000 0.25% 0.25% 0.25% 0.25% 13 months* $5,000 0.25% 0.25% 0.25% 0.25% 24 months $1,000 0.25% 0.25% 0.25% 0.25% 35 months* $5,000 0.40% 0.40% 0.40% 0.40% 30 months $1,000 0.25% 0.25% 0.25% 0.25% 36 months $1,000 0.40% 0.40% 0.40% 0.40% 48 months $1,000 0.50% 0.50% 0.50% 0.50% 5 years $1,000 0.55% 0.55% 0.55% 0.55% *Rate and term available only to HNB checking account holders. Due to market fluctuations and at our discretion, rates may change on variable accounts after account is opened. Penalty imposed for early withdrawal on certificates of deposit. Penalty for early CD withdrawal CDs maturing in 1 year or less – penalty is 3 months of interest earned or would have been earned. CDs maturing in over 1 year – penalty is 6 months of interest earned or would have been earned. Jumbo rate applies to balances of $100,000.00 and over. ***Annual Percentage Yield – assumes interest remains on deposit until maturity. IRA Rates as of November 1, 2021 Minimum Opening Balance Interest Rate Annual Percentage Yield $1,000 0.25% 0.25% IRA interest rates are subject to change quarterly and are based on the 30 month CD rate. Checking Deposit Rates as of November 1, 2021 Home Plus Checking Interest Rate Annual Percentage Yield $0.01 and above 0.05% 0.05% Home Grand Checking Interest Rate Annual Percentage Yield $0.01 – $4,999.99 0.05% 0.05% $5,000.00 – $9,999.99 0.05% 0.05% $10,000.00 – $24,999.99 0.05% 0.05% $25,000.00 – $49,999.99 0.05% 0.05% $50,000.00 – $99,999.99 0.05% 0.05% $100,000.00 and above 0.05% 0.05% Due to market fluctuations and at our discretion, rates may change on variable accounts after account is opened. Fees could reduce earnings. Annual percentage yield is based on a $1,000 account balance. Minimum opening deposit is $1,000, or waived with direct deposit. Savings Deposit Rates as of November 1, 2021 Home Savings Interest Rate Annual Percentage Yield No minimum balance 0.05% 0.05% Home Grown Kids’ Club Interest Rate Annual Percentage Yield No minimum balance 0.15% 0.15% HomeGrown Kids’ Plus Interest Rate Annual Percentage Yield No minimum balance 0.25% 0.25% Home Tiered Savings Interest Rate Annual Percentage Yield $0.01 – $4,999.99 0.05% 0.05% $5,000.00 – $24,999.99 0.05% 0.05% $25,000.00 – $49,999.99 0.05% 0.05% $50,000.00 – $99.999.99 0.05% 0.05% $100,000.00 and above 0.05% 0.05% Due to market fluctuations and at our discretion, rates may change on variable accounts after account is opened. Fees could reduce earnings. Annual percentage yield displayed is based on a $1,000 account balance. Minimum opening deposit is $1,000 for Home Tiered Savings, $20 for Home Savings, or $10 for Home Grown Kids Club or Home Grown Kids Plus. HNB Information Forms & Disclosures Helpful Links Contact Us Change of Address Form Financial Calculators Cut-Off Times Disclosures Financial Education & Tools eStatements Rates & Fees Copyright © Home National Bank About Us Applications Report Lost/Stolen Cards Terms of Use Privacy Policy