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Holiday Closing:

In observance of Veterans Day, we will be CLOSED Tuesday, November 11th.

Hometown Community Bank
Insite National Bank

CD/IRA

Interest Rates and Annual Percentage Yields are effective as of November 6, 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: 3.80%
3.90%

APY QUARTERLY: 3.85%
3.96%

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CD Penalty (on amount withdrawn early):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.