Certificates of Deposit (CD) Rates4
Current CD Special Rate
4.05% APY4 for 7 Months OR 3.75% APY4 for 13 Months
| 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% |
| CD Special: 7 Months |
4.02% - 4.05% |
N/A |
| 12 Months |
0.50% - 0.50% |
0.40% - 0.40% |
| CD Special: 13 Months |
3.75% - 3.75% |
N/A |
| 24 Months |
0.60% - 0.60% |
N/A |
| 36 Months |
0.70% - 0.70% |
N/A |
| 48 Months |
0.75% - 0.75% |
N/A |
| 60 Months & Longer |
0.85% - 0.85% |
N/A |
| 60 Month IRA |
0.85% - 0.85% |
N/A |
Money Market Deposit Rates
Regular Money Market Deposit Rates1,2,3
| Daily Balances |
Rate |
APY |
| Less Than $2,500 |
0.15% |
0.15% |
| Greater Than or Equal to $2,500 |
0.65% |
0.65% |
Premier Money Market Deposit Rates1,2,3
| Daily Balances |
Rate |
APY |
| $0 - $24,999.99 |
0.00% |
0.15% |
| $25,000 & Above |
3.25% |
3.30% |
Select Money Market Deposit Rates1,2,3
| Daily Balances |
Rate |
APY |
| $25,000 - $99,999.99 |
0.85% |
0.85% |
| $100,000 - $499,999.99 |
1.15% |
1.16% |
| $500,000 & $999,999.99 |
1.30% |
1.31% |
| $1,000,000 - $2,499,999.99 |
1.50% |
1.51% |
| $2,500,000 & Above |
1.50% |
1.51% |
Investors Advantage Money Market Deposit Rates1,2,3
| Daily Balances |
Rate |
APY |
| $2,500 - $9,999.99 |
0.65% |
0.65% |
| $10,000 - $24,999.99 |
0.65% |
0.65% |
| $25,000 - $49,999.99 |
0.85% |
0.85% |
| $50,000 - $99,999.99 |
0.85% |
0.85% |
| $100,000 - $249,999.99 |
1.15% |
1.16% |
| $250,000 - $499,999.99 |
1.15% |
1.16% |
| $500,000 - $999,999.99 |
1.30% |
1.31% |
| $1,000,000 & Above |
1.50% |
1.51% |
Other Deposit Rates1,3
| 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% |
-- |
1Rates are updated daily and are subject to change.
2Minimum to open and maintain account is $1,000.
3APY is Annual Percentage Yield. Interest is accrued daily and credited and compounded monthly. Transaction limitations do not apply. Rates are updated daily and are subject to change. Fees could reduce earnings. Other rates and terms may also be available.
4Annual Percentage Yields (APY) shown are for interest added back to the Certificate of Deposit (CD) for compounding, where applicable. Rates are effective as of September 23, 2025 and are subject to change. Receipt of the promotional rate is contingent upon a minimum investment of $1000 per CD. CD Specials: The interest rate for the 7-month CD is 4.02% with a 4.05% APY. The interest rate of the 13-month CD is 3.75% with a 3.75% APY. The CD will automatically renew at the nearest preceding CD term unless otherwise directed by the account holder. Penalties imposed for early withdrawal. Fees could reduce earnings. Other rates and terms may also be available. HNB is not accepting CDs from brokers, or financial institutions or non-customers from outside of our immediate market area.
