Get Real Savings®*
A simple savings account that can help you save for future goals.
FEATURES
- $10 minimum to open
- No monthly account fees
- Earns interest
- No limit on transactions
- Eligible for Debit Visa® Card, eStatements, and direct deposit.
Debit card will not have Point of Sale functionality until the account owner turns 16 years of age and requests functionality be turned on.
*Notify us if you are 65 years of age or older, or 18 years of age or younger. You may be eligible for a waiver or reduction of certain account fees or charges.
Rates
Effective Date: [[effective-date]]
| Minimum to Open | Minimum Daily Balance to Earn APY | Interest Rate | Annual Percentage Yield (APY)%* |
|---|---|---|---|
| $10.00 | $0.01 | 0.05% | 0.05% |
*This is a variable rate account and rates are subject to change without notice. Fees may reduce earnings.
The Federal Deposit Insurance Corporation (FDIC) insures deposits of up to $250,000. All portions of deposits in excess of $250,000 are insured by the Depositors Insurance Fund (DIF).
Club Accounts
With our club accounts, you can plan ahead for holiday expenses or that well-deserved vacation.
FEATURES
- $10 minimum to open
- Earns interest
- No monthly account fees
In April or October, the entire balance including interest will be mailed to you by check or automatically transferred to another account of your choice.*
*Partial withdrawals not allowed. If any withdrawal is made from this account before club maturity, then this account may be closed.
Rates
Effective Date: [[effective-date]]
| Minimum to Open | Minimum Daily Balance to Earn APY | Interest Rate | Annual Percentage Yield (APY)%* |
|---|---|---|---|
| $10.00 | $0.01 | 0.05% | 0.05% |
*This is a variable rate account and rates are subject to change without notice. Fees may reduce earnings.
The Federal Deposit Insurance Corporation (FDIC) insures deposits of up to $250,000. All portions of deposits in excess of $250,000 are insured by the Depositors Insurance Fund (DIF).
Get More Money MarketSM
Accelerate your savings with an interest-bearing account that’s flexible enough to adapt to your lifestyle.
FEATURES
- $500 minimum to open
- No monthly account fee with a minimum daily balance of $500*
- Eligible for a Debit Visa® Card, eStatements, and direct deposit
*Refer to separate fee schedule.
Rates
Effective Date: [[effective-date]]
| Product | Minimum to Open | Minimum Daily Balance to Earn APY | Annual Percentage Yield (APY)%* |
|---|---|---|---|
| Get More Money Market℠ | $500 | $0.01 | 0.20% |
*This is a variable rate account and the rate may change at any time. Fees may reduce earnings. Not available for IRAs.
Get More Tiered Money MarketSM
Maximize the advantages of higher interest rates while benefiting from the liquidity of a savings account. Plus, with tiered interest rates, the higher your balance, the higher your interest rate.
FEATURES
- $1,000 minimum deposit to open
- No monthly account fee with a minimum daily balance of $500*
- Eligible for a Debit Visa® Card, eStatements, and direct deposit
*Refer to separate fee schedule.
Rates
Effective Date: [[effective-date]]
| Product | Minimum to Open | Minimum Daily Balance to Earn APY | Annual Percentage Yield (APY)%* |
|---|---|---|---|
| Get More Tiered Money Market℠ | $1,000 | $0.01 – $24,999.99 | 0.10% |
| $1,000 | $25,000 – $49,999.99 | 0.15% | |
| $1,000 | $50,000 – $99,999.99 | 0.20% | |
| $1,000 | $100,000 – $999,999.99 | 0.25% | |
| $1,000 | $1,000,000+ | 0.30% |
*This is a variable rate account and rates are subject to change without notice. Fees may reduce earnings.
The Federal Deposit Insurance Corporation (FDIC) insures deposits of up to $250,000. All portions of deposits in excess of $250,000 are insured by the Depositors Insurance Fund (DIF).
Health Savings Account
A Health Savings Account or HSA is an account you deposit money into to save for current or future healthcare expenses. Enjoy favorable tax treatment on the money you save, and you decide how it’s spent: Use it to cover qualified healthcare needs as they’re incurred or carry it over to cover future qualified expenses.
BENEFITS
- Contributions you make may be tax deductible*
- Contributions made by your employer may be excluded from gross income
- Distributions are not taxed when used for qualified medical expenses
- Distributions for qualified medical expenses can be used to meet your HDHP deductible
- Funds left in an HSA, including interest, grow tax-free
- Funds can be left in an HSA to accumulate – no “use it or lose it”
- An HSA is portable
- You can open and transfer HSAs to bankHometown
* Certain restrictions may apply. Consult your tax advisor.
