Current Rates

Certificates of Deposit (CD) Rates

Rates are updated daily and are subject to change.1,2

Minimum balance to open and maintain account is $1,000.00.

Term Regular CDs Rate - APY Flex CDs Rate - APY
3 Months 0.35% - 0.35% N/A
6 Months 0.40% - 0.40%
0.30% - 0.30%
12 Months 0.50% - 0.50% 0.40% - 0.40%
13 Months

3.33% - 3.33%

N/A
20 Months 3.53% - 3.53% N/A
24 Months 0.60% - 0.60% N/A
36 Months .70% - .70% N/A
48 Months .75% - .75% N/A
60 Months & Longer .85% - .85% N/A
60 Month IRA .85% - .85% N/A
 1APY is Annual Percentage Yield. APYs shown are for interest added back to the CD for compounding, where applicable. Rates are effective as of this date and are subject to change. Penalties imposed for early withdrawal. Fees could reduce earnings. Other rates and terms may also be available. 
2HNB is not accepting CDs from brokers, or financial institutions or non-customers from outside of our immediate market area.

*Annual Percentage Yields (APYs) are accurate as of October 18, 2022. Receipt of the promotional Certificate of Deposit (CD) rate is contingent upon a minimum investment of $1000 per CD. Penalties may be applied for early withdrawals. At expiration of the promotional term for the CD, terms will automatically renew at the nearest preceding CD term unless otherwise directed by the account holder. Limited time offer. Fees could reduce earnings on the account. Ask an employee for additional information on applicable fees and terms. Member FDIC.


Money Market Deposit Rates

Regular Money Market Deposit Rates

Rates are updated daily and are subject to change.1
Minimum to open is $1,000.

Daily Balances Rate APY
Less than $2,500 0.10% 0.10%
Greater than or equal to $2,500 0.25% 0.25%

Investors Advantage Money Market Deposit Rates

Rates are updated daily and are subject to change.1
Minimum to open is $1,000.

Daily Balances Rate APY
$2,500 - $9,999.99 0.25% 0.25%
$10,000 - $24,999.99 0.25% 0.25%
$25,000 - $49,999.99 0.25% 0.25%
$50,000 - $99,999.99 0.35% 0.35%
$100,000 - $249,999.99 0.35% 0.35%
$250,000 - $499,999.99 0.45% 0.45%
$500,000 - $999,999.99 0.45% 0.45%
$1,000,000 & Above 0.50% 0.50%
1APY is Annual Percentage Yield. Interest is accrued daily and credited and compounded monthly. You may make an unlimited number of withdrawals or transactions in person. Withdrawals or transfers conducted through digital or third-party resources are limited to six (6) per statement cycle. Rates subject to change. Fees could reduce earnings. Other rates and terms may also be available.


Other Deposit Rates

Rates are updated daily and are subject to change.1

Account Type Rate APY Minimum to Open
Statement Saving 0.10% 0.10% $100
Interest Checking
0.10% 0.10% $1,000
Holiday Club - AFT 0.00% 0.00% $2
Holiday Club - Coupon Book 0.00% 0.00% --
All Purpose Club - AFT 0.00% 0.00% $2
All Purpose Club - Coupon Book 0.00% 0.00% --

1APY is Annual Percentage Yield. Interest is accrued daily and credited and compounded monthly. You may make an unlimited number of withdrawals or transactions in person. Withdrawals or transfers conducted through digital or third-party resources are limited to six (6) per statement cycle. Rates subject to change. Fees could reduce earnings. Other rates and terms may also be available.