RATES

Certificates of Deposit****

Interest Rate & Annual Percentage Yield are current as of March 15, 2023

Term Minimum to Open* Interest Rate Annual Percentage Yield (APY)* Interest Compounding
3 Months 500.00 1.40 1.41 Quarterly
 6 Months 500.00 1.50 1.51 Quarterly
12 Months 500.00 1.60 1.61 Quarterly
24 Months 500.00 1.70 1.71 Quarterly
36 Months 500.00 1.80 1.81 Quarterly
48 Months 500.00 2.00 2.02 Quarterly
60 Months 500.00 2.30 2.32 Quarterly

        14 Months

2,500.00

4.75

4.84

 Quarterly

        25 Months

2,500.00

 4.40 4.47

Quarterly
20 Month Premium Certificate # 5,000.00 4.50 4.58 Quarterly
 # Option to increase rate once during term

Savings Accounts**

Interest Rate & Annual Percentage Yield are current as of March 15, 2023

  Minimum to Open* Interest Rate***

Annual Percentage

Yield (APY)*

 Interest Compounding
Statement Savings 50.00   .30   .30 Quarterly
Premium Savings 2500.00   .40   .40 Monthly
  below $2500   .30   .30 Monthly
IRA Flex Savings 100.00 1.75 1.76 Quarterly
Christmas Club 1.00   .30   .30 Annually
HNB Money Market 2,500.00       
up to 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 and up*   2.60 2.63 Monthly

NOTE:  We use the average daily balance method to calculate interest on your account.  This method applies a 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.

Checking Accounts**

Interest Rates and Annual Percentage Yield are current as of March 15, 2023

  Minimum to Open* Interest Rate*** Annual Percentage Yield (APY)* Interest Compounding
Interest Checking

        500.00

 .20 .20 Monthly
Premium Interest
 Must have two other bank relationships

        2500.00

 .30 .30 Monthly
  below $2,500 .20 .20 Monthly
HSA Checking

        100.00

      
up to $4,999.99*   .20 .20 Monthly
$5000.00-$9,999.99*   .40 .40 Monthly
$10,000.00 and up*   .50 .50 Monthly

* Minimum balance required to open account and to obtain the stated APY disclosed.
**Account fees may reduce earnings.
***Variable interest rates subject to change.
****Penalty for early withdrawal.
NOTE:  We use the average daily balance method to calculate interest on your account.  This method applies a 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.
For further information, please see your Client Service Representative.
Account disclosures available on request.