Rates
Rates are subjected to change at any time.
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Certificate of Deposits a
|
Account
Product Name
|
Minimum
Opening Deposit
|
Interest
Rate
|
Annual
Percentage Yield
|
Interest
Compounding
|
|---|---|---|---|---|
| 3 Month CD | $500.00 | 1.40% | 1.41% | Quarterly |
| 6 Month CD |
$500.00 | 1.50% |
1.51% |
Quarterly |
| 7 Month CD |
$5,000.00 | 4.50% |
4.58% |
Quarterly |
| 12 Month CD |
$500.00 | 1.60% |
1.61% |
Quarterly |
| 24 Month CD |
$500.00 | 1.70% |
1.71% |
Quarterly |
| 36 Month CD |
$500.00 |
1.80%
|
1.81%
|
Quarterly |
| 48 Month CD |
$500.00 | 2.00% |
2.02% |
Quarterly |
| 60 Month CD |
$500.00 | 2.30% |
2.32% |
Quarterly |
| 14 Month CD Special | $2,500.00 | 4.20% | 4.27% | Quarterly |
| 20 Month Premium CD(g) | $5,000.00 | 3.75% | 3.80% | Quarterly |
| 25 Month CD Special | $2,500.00 | 3.50% | 3.55% | Quarterly |
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Interest Checking Accounts b, c ,d, e, f
|
Account
Product Name
|
Minimum
Opening Deposit
|
Balance Required to Obtain APY
|
Interest
Rate
|
Annual
Percentage Yield (APY)
|
Interest
Compounding
|
|---|---|---|---|---|---|
|
Interest Checking
|
$500.00 | 0.20% | 0.20% | Monthly | |
|
Premium Interest Checking(g)
|
$2,500.00 |
Average Daily Balances Of: | |||
| $0.00-$2,499.99 |
0.20% |
0.20% |
Monthly
|
||
| $2,500+ | 0.30% | 0.30% | Monthly | ||
| HSA Checking | Average Daily Balances Of: | ||||
|
$0.00-$4,999.99
|
0.40%
|
0.40% | Monthly | ||
| $5,000.00-$9,999.99 | 0.80% | 0.80% | Monthly | ||
| $10,000 and up | 1.00% | 1.00% | Monthly |
Money Market and Savings Accounts b, c, d, e, f
|
Account
Product Name
|
Minimum
Opening Deposit
|
Balance Required to Obtain APY
|
Interest
Rate
|
Annual
Percentage
Yield (APY)
|
Interest
Compounding
|
|---|---|---|---|---|---|
|
Statement Savings
|
$50.00 |
0.30% | 0.30% | Quarterly | |
| Premium Savings | $2,500.00 |
Average Daily Balance of:
|
|||
| $0.00-$2,499.99 |
0.30% |
0.30% |
Monthly | ||
| $2,500.00+ |
0.40% |
0.40% | Monthly | ||
| IRA Flex Savings | $100.00 | 1.75% |
1.76% | Quarterly | |
| Christmas Club | $1.00 | 0.30% | 0.30% | Annually | |
| HNB Money Market | $2,500.00 | Average Daily Balances of: | |||
| $0.00-$24,999.99 | 1.55% | 1.56% |
Monthly
|
||
| $25,000.00-$49,999.99 | 1.90% | 1.92% | Monthly | ||
| $50,000.00-$149,999.99 | 1.95% | 1.97% | Monthly | ||
| $150,000.00-$249,999.99 | 2.05% | 2.07% | Monthly | ||
| $250,000.00-$999,999.99 | 2.25% | 2.27% | Monthly | ||
| $1,000,000.00+ | 2.75% | 2.78% | Monthly |
a) A penalty may be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
b) The interest rate and annual percentage yield may change after account opening.
C) Minimum Balance required to open account and to obtain the stated APY disclosed.
d) Average daily balance. HNB uses the average daily balance method to calculate interest on your account. this method applies periodic rate to the average daily balance in the account for the period. the average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
e) Account disclosures available on request - Truth in Savings Disclosure will be provided at account opening.
e) Account disclosures available on request - Truth in Savings Disclosure will be provided at account opening.
f) Account fees may reduce earnings.
g) To qualify for our Premium CD's and accounts, you must have two other existing bank relationships.
Updated November 15, 2024
For further information, please see your Client Service Officer
If you are interested in opening up an account(s), please complete our application and send it to clientservices@hnbank.com or bring it to your nearest location.