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SCAM ALERT:

Warning: Tech support scams are fraudulent, unsolicited attempts to steal money, data, or remote access to devices. Scammers use scary pop-ups (often with fake, alarming audio) pretending to be Microsoft, warning of viruses or locked devices. Microsoft will never call you or send pop-ups with phone numbers.

How to Protect Yourself & Identify the Scam:

  • NEVER Call the Number: Legitimate Microsoft error messages never include a phone number.
  • Stop Scammer Tactics: If a pop-up appears, close your browser immediately
  • Never Grant Access: Never allow a stranger to remotely access your computer.
  • Avoid Payment: Scammers often ask for payment through unconventional methods like gift cards, or Bitcoin. Or they will have you withdraw funds from your account and send it somewhere else to "keep it safe".
  • Report it: Contact the bank so we can help keep your account secure. Scammers may tell you to not talk to the bank because of an investigation, or impersonate the FDIC, Federal Reserve or other authority.
  • Run Security Scan: Perform a full scan on your computer to remove any malicious software.
  • Change Passwords: Immediately change your computer and online banking passwords.
Hometown Community Bank
Insite National Bank

CD/IRA

Interest Rates and Annual Percentage Yields are effective as of December 18, 2025

Certificate of Deposit Account (CD)/Individual Retirement Account (IRA)


ACCOUNT TYPE

TERM

INTEREST RATE

APY QUARTERLY

MINIMUM DEPOSIT TO OPEN:

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 6 Months

INTEREST RATE: 0.40%

APY QUARTERLY: 0.40%

MINIMUM DEPOSIT TO OPEN: $1,000.00

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 9 Months SPECIAL
with relationship bump*

INTEREST RATE: 3.70%
3.80%

APY QUARTERLY: 3.75%
3.85%

MINIMUM DEPOSIT TO OPEN: $1,000.00

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 12 Months

INTEREST RATE: 0.60%

APY QUARTERLY: 0.60%

MINIMUM DEPOSIT TO OPEN: $1,000.00

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 16 Months SPECIAL
with relationship bump*

INTEREST RATE: 3.50%
3.60%

APY QUARTERLY: 3.55%
3.65%

MINIMUM DEPOSIT TO OPEN: $1,000.00

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 18 Months

INTEREST RATE: 1.00%

APY QUARTERLY: 1.00%

MINIMUM DEPOSIT TO OPEN: $1,000.00

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 24 Months

INTEREST RATE: 1.00%

APY QUARTERLY: 1.00%

MINIMUM DEPOSIT TO OPEN: $1,000.00

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 25 Months SPECIAL
with relationship bump*

INTEREST RATE: 3.25%
3.35%

APY QUARTERLY: 3.29%
3.39%

MINIMUM DEPOSIT TO OPEN: $1,000.00

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 30 Months

INTEREST RATE: 1.50%

APY QUARTERLY: 1.51%

MINIMUM DEPOSIT TO OPEN: $1,000.00

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 36 Months

INTEREST RATE: 1.50%

APY QUARTERLY: 1.51%

MINIMUM DEPOSIT TO OPEN: $1,000.00

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 48 Months

INTEREST RATE: 1.60%

APY QUARTERLY: 1.61%

MINIMUM DEPOSIT TO OPEN: $1,000.00

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 60 Months

INTEREST RATE: 1.80%

APY QUARTERLY: 1.81%

MINIMUM DEPOSIT TO OPEN: $1,000.00

 

Individual Retirement Account (IRA)


ACCOUNT TYPE

TERM

INTEREST RATE

APY QUARTERLY

MINIMUM DEPOSIT TO OPEN:

ACCOUNT TYPE: IRA Golden Variable

TERM: 18 months

INTEREST RATE: 1.00%

APY QUARTERLY: 1.00%

MINIMUM DEPOSIT TO OPEN: $50

 

CD Penalty (on amount withdrawn early):
Term: under 1 year = 90 days interest
Term: 1 to 2 years = 180 days interest
Term: Over 2 years = 365 days interest

*Eligibility requirement: customer must be an owner of an active CBT checking, savings, or loan account.