Current Rates

Certificate of Deposit Rates

Rates are updated daily and are subject to change

Term Regular CDs Rate – APY Flex CDs Rate – APY
3 Months 0.15% – 0.15% N/A – N/A
6 Months 0.20% – 0.20% 0.10% – 0.10%
12 Months 0.35% – 0.35% 0.25% – 0.25%
24 Months 0.55% – 0.55% N/A – N/A
36 Months 0.95% – 0.95% N/A – N/A
48 Months 1.15% – 1.15% N/A – N/A
60 Months & Longer 1.35% – 1.35% N/A – N/A

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

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.
Fees could reduce earnings.


Investors Advantage Money Market Deposit Rates

Rates are updated daily and are subject to change

Daily Balance Rate APY
$2,500.00 – $9,999.99 0.10% 0.10%
$10,000 – $24,999.99 0.15% 0.15%
$25,000 – $49,999.99 0.20% 0.20%
$50,000 – $99,999.99 0.25% 0.25%
$100,000 – $249,999.99 0.30% 0.30%
$250,000 – $499,999.99 0.35% 0.35%
$500,000 – $999,999.99 0.40% 0.40%
$1,000,000 & Above 0.45% 0.45%

Other Deposit Rates

Rates are updated daily and are subject to change

Account Type Rate APY
MMDA 0.15% 0.15%
Statement Savings 0.10% 0.10%
NOW Account 0.10% 0.10%
Holiday Club – AFT 0.25% 0.25%
Holiday Club – Coupon Book 0.00% 0.00%
All Purpose Club – AFT 0.25% 0.25%
All Purpose Club – Coupon Book 0.00% 0.00%

APY 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 term may also be available.