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15 Yr. Fixed 3.650%


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24 Month ($500 Min.) 0.75% 0.75%
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Hometown Interest Checking 0.05% 0.05%
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Savings & CDs

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We offer a variety of savings account and certificate of deposit options to meet both your short term and long term financial needs.

All of our savings accounts include the following free of charge:

  • Online Banking
  • Telephone Banking
  • Mobile Banking
  • ATM Card
  • eStatements

Account Type Minimum Balance To Open Service Charge Balance to Avoid Sevice Charge Interest  
Statement Savings
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$10 $2 Quarterly $100 Yes Application
Money Market
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$1,000 $0 N/A Yes Application
Christmas Club Savings
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$10 N/A N/A Yes Application
Health Savings Account
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$100 $2 Monthly N/A Yes Application


Certificates of Deposit (CDs) are a safe way to invest for the future. They offer a fixed rate of interest over a selected term ranging from 3 months to 30 months and flexible interest payment options including; payment by check, deposit to account, or compounding back to the CD. Penalties for early withdrawal may apply.

Click here for current CD rates.

Graduate CD

Parents and Grandparents, an excellent way to save for a child or grandchild's future is to open a Graduate CD. A Graduate CD can be purchased for children ages infant up to 18. There is a $25 minimum balance to open and additional deposits of any amount are accepted. Graduate CDs earn a variable interest rate but no withdrawals can be made until age 18. There is one annual withdrawal without penalty from age 18-21.

Statement Savings

This is the perfect account to start saving for both your short and long term needs. It offers easy access to your funds with the benefit of interest earned on your balances.

  • Free ATM Card
  • Requires an opening balance of $10
  • No fee with $100 balance, otherwise it is $2 per quarter
  • Interest is calculated using the daily balance method and is credited to your account quarterly
  • First 12 debits per quarter are free; $0.50 per additional debit

Money Market

This account option is designed for individuals who maintain a higher balance.  It offers a premium interest rate with limited withdrawals.

  • Requires an opening balance of $1,000
  • No monthly fee but if balance drops below $1,000 it will earn the current Hometown interest rate
  • Interest is calculated using the daily balance method and is credited to your account monthly
  • You may make 6 transfers from your account each 4 week period by automatic transfer, telephone agreement, check, draft, or debit card order.  Transfers and withdrawals made in person are unlimited.

Christmas Club Savings

This account is a great way to save specifically for your holiday shopping.  You can deposit money at any time throughout the year with one disbursement issued in November.

  • Requires an opening balance of $10
  • The only withdrawal allowed will be your Christmas Club check issued by the Bank in mid November