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 |
5.05% - 5.05% |
N/A |
| 16 Months | 5.05% - 5.05% | N/A |
| 20 Months | 5.05% - 5.05% | 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 |
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 September 21, 2023. 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 | 0.15% | 0.15% |
| Greater Than or Equal to $2,500 | 0.45% | 0.45% |
Select Money Market Deposit Rates
Rates are updated daily and are subject to change.1
Minimum to open is $1,000.
| Daily Balances | Rate | APY |
|---|---|---|
| $25,000 - $99,999.99 | 0.60% | 0.60% |
| $100,000 - $499,999.99 | 0.75% | 0.75% |
| $500,000 & $999,999.99 | 0.90% | 0.90% |
| $1,000,000 - $2,499,999.99 | 1.00% | 1.00% |
| $2,500,000 & Above | 1.00% | 1.00% |
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 | 0.45% | 0.45% |
| $10,000 - $24,999.99 | 0.45% | 0.45% |
| $25,000 - $49,999.99 | 0.60% | 0.60% |
| $50,000 - $99,999.99 | 0.60% | 0.60% |
| $100,000 - $249,999.99 | 0.75% | 0.75% |
| $250,000 - $499,999.99 | 0.75% | 0.75% |
| $500,000 - $999,999.99 | 0.90% | 0.90% |
| $1,000,000 & Above | 1.00% | 1.00% |
1APY is Annual Percentage Yield. Interest is accrued daily and credited and compounded monthly. Transaction limitations do not apply. 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. Transaction limitations do not apply. Rates subject to change. Fees could reduce earnings. Other rates and terms may also be available.
Current CD Special Rate
5.05% APY*
- For 13-month, 16-month, or 20-month terms
- *Annual Percentage Yields (APYs) are accurate as of September 21, 2023. 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.
High-Yield Money Market Deposit Account
4.00% APY*
- Must maintain a Premier Checking Account
- Must maintain $2,500 minimum to open
- If balance falls below $2,500 in a statement cycle, a $5 fee will be instated*
- $25,000 minimum to earn interest
- If the balance falls below $25,000, interest rate will drop to 0% Annual Percentage Yield (APY) until the balance once again meets or exceeds the threshold
*Fees may reduce earnings. See full details below.