Hometown Community Bank
Insite National Bank

INTEREST RATES AND ANNUAL PERCENTAGE YIELDS (APY's)

Interest Rates and APY’s are effective as of October 18, 2021

Certificate of Deposit Account (CD)

ACCOUNT TYPE

TERM

INTEREST RATE

APY QUARTERLY

MINIMUM DEPOSIT TO OPEN:

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 30 Days

INTEREST RATE: 0.05%

APY QUARTERLY: 0.05% (at maturity)

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 3 Months

INTEREST RATE: 0.05%

APY QUARTERLY: 0.05%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 6 Months

INTEREST RATE: 0.10%

APY QUARTERLY: 0.10%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 9 Months

INTEREST RATE: 0.13%

APY QUARTERLY: 0.13%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 12 Months

INTEREST RATE: 0.18%

APY QUARTERLY: 0.18%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 18 Months

INTEREST RATE: 0.20%

APY QUARTERLY: 0.20%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 24 Months

INTEREST RATE: 0.23%

APY QUARTERLY: 0.23%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 30 Months

INTEREST RATE: 0.28%

APY QUARTERLY: 0.28%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 36 Months

INTEREST RATE: 0.35%

APY QUARTERLY: 0.35%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 48 Months

INTEREST RATE: 0.35%

APY QUARTERLY: 0.35%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: Certificate of Deposit Account

TERM: 60 Months

INTEREST RATE: 0.35%

APY QUARTERLY: 0.35%

MINIMUM DEPOSIT TO OPEN: $500

 

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: 0.13%

APY QUARTERLY: 0.13% (at maturity)

MINIMUM DEPOSIT TO OPEN: $50

ACCOUNT TYPE: IRA Golden Variable

TERM: 6 Months

INTEREST RATE: 0.10%

APY QUARTERLY: 0.10%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: IRA Golden Variable

TERM: 12 Months

INTEREST RATE: 0.18%

APY QUARTERLY: 0.18%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: IRA Golden Variable

TERM: 18 Months

INTEREST RATE: 0.20%

APY QUARTERLY: 0.20%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: IRA Golden Variable

TERM: 24 Months

INTEREST RATE: 0.23%

APY QUARTERLY: 0.23%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: IRA Golden Variable

TERM: 36 Months

INTEREST RATE: 0.35%

APY QUARTERLY: 0.35%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: IRA Golden Variable

TERM: 48 Months

INTEREST RATE: 0.35%

APY QUARTERLY: 0.35%

MINIMUM DEPOSIT TO OPEN: $500

ACCOUNT TYPE: IRA Golden Variable

TERM: 60 Months

INTEREST RATE: 0.35%

APY QUARTERLY: 0.35%

MINIMUM DEPOSIT TO OPEN: $500

 

CD Penalty (on amount withdrawn early):
Term: under 1 year = 3 months interest
Term: 1 to 2 years = 6 months interest
Term: Over 2 years = 12 months interest