Rates

Consumer Deposit Rates (Please call for Non-Consumer 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 4.75%
4.84%
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 4.45% 4.52% 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.
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.
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 October 1, 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.