Savings and CDs

Whether preparing for the seasonality of your business or considering its long-term growth opportunities, it’s important to have a savings plan in place. HNB’s savings options can help you keep your business on track.


Open an Account

Visit one of our office locations to open your account today!

Contact Us

Our dedicated team welcomes the opportunity to help build a strategy and identify solutions that will support your needs. 

female small business owner
Statement Savings Account
Features and Benefits:


Account Requirements:

  • $100 minimum balance requirement to waive $2.00 monthly service charge
  • Accrued interest to date is not paid on accounts closed prior to quarter end
  • Fees could reduce earnings

Recommended Products and Services:

Certificates of Deposit (CDs)
Features and Benefits:

  • 30 day – 5 year terms available
  • Rates are determined based upon the term of the investment
  • HNB Flex CD allows for deposits, one rate adjustment and one penalty-free withdrawal per term

Account Requirements:

  • $1,000 minimum investment amount
  • Annual Percentage Yields (APYs) must be quoted when given rates
  • Fees are assessed on early withdrawals or premature closing
  • Fees could reduce earnings

Money Market Deposit Accounts (MMDA)
Features and Benefits:


Account Requirements:

  • $1,000 minimum account balance to waive $5 monthly service fee¹

Recommended Products and Services:

Investor’s Advantage MMDA
Features and Benefits:

  • Earn tiered-interest on account balances when each tier is reached:
    • Less than $2,500
    • $2,500 - $9,999.99
    • $10,000 - $24,999.99
    • $25,000 - $49,999.99
    • $50,000 - $99,999.99
    • $100,000 - $249,999.99
    • $250,000 - $499,999.99
    • $500,000 - $999,999.99
    • $1,000,000 or greater
  • Interest is Accrued Daily, Credited & Compounded Monthly
  • Interest Rate May Change Daily, with No Minimum or Maximum
  • Immediate Access to All Collected Funds
  • All of the Benefits of Free Business Checking

Account Requirements:

  • Fees may reduce earnings


Recommended Products and Services: 










As of Monday, November 2, 2020, transfer / withdrawal limits will no longer apply to your HNB Savings Accounts or Money Market Accounts allowing you greater flexibility with your money management needs.  You can now experience greater ease managing your finances using our convenient digital offerings and service locations as often as the need arises.

¹Fees may reduce earnings.

Rates are subject to change after account opening.