Term $25,000 +
Rate - APY < $24,999
Rate - APY
16 Months 2.90 - 2.94 2.85 - 2.89

Interest is paid monthly or quarterly and directly deposited
into your HNB Checking, Savings or Money Market Account.

With taxes, energy, healthcare and insurance costs continually rising, the interest earned and deposited into your account each month or quarter can be used to help defray some of these increases or to pay your other monthly bills or expenses.

10-Month CD Special

Term $25,000 +
Rate - APY < $24,999
Rate - APY
10 Months 2.70 – 2.71 2.65 – 2.66
10 Mo. Flex 2.20 – 2.20 2.15 - 2.15

Special CD Rates are only for the terms indicated

Investors Advantage Account

Rates are updated daily and are subject to change

Daily Balance
Rate
APY
$2,500 - $9,999 .75% .75%
$10,000 - $24,999 1.00% 1.00%
$25,000 - $49,999 1.45% 1.46%
$50,000 - $99,999 1.90% 1.92%
$100,000 - $249,999 2.35% 2.38%
$250,000 - $499,999 2.45% 2.48%
$500,000 - $999,999 2.55% 2.58%
$1,000,000 & Above 2.65% 2.69%

Certificate of Deposit Rates

Rates are updated daily and are subject to change

Term Regular CDs
Rate - APY Flex CDs
Rate - APY
3-6 Months 2.25 - 2.27 N/A - N/A
6-12 Months 2.30 - 2.31 2.20 - 2.21
12-23 Months 2.50 – 2.50 2.40- 2.40
24-35 Months 2.55 – 2.55 N/A - N/A
36-47 Months 2.65 – 2.65 N/A - N/A
48-59 Months 2.85 - 2.85 N/A - N/A
60 Months & Longer 3.05 - 3.05 N/A - N/A

Bonus Rates are paid for Chairman's Club Members
and Individual Retirement Account CDs
with a maturity of 1 Year or Longer

For CDs of $100,000 or more please call any Office
or Securely Contact Us for a rate.

HNB is not accepting CDs from Brokers, other
Financial Institutions or non-customers from outside
of our immediate market area.
Minimum Balance to open and maintain account: $1,000.00
Penalties imposed for early withdrawals

Other Deposit Rates

Rates are updated daily and are subject to change

Account Type
Rate
APY
MMDA 1.00% 1.01%
High Performance Savings 1.10% 1.11%
Statement Savings .50% .50%
NOW Account .40% .40%
Holiday Club - AFT .50% .50%
Holiday Club - Coupon Book .25% .25%
All Purpose Club - AFT .50% .50%
All Purpose Club - Coupon Book .25% .25%