Current Rates

Certificate of Deposit Rates

Rates are updated daily and are subject to change.

TermRegular CDs Rate ― APYFlex CDs Rate ― APY
3 Months0.15% ― 0.15%N/A ― N/A
6 Months0.20% ― 0.20%0.10% ― 0.10%
12 Months0.35% ― 0.35%0.25% ― 0.25%
24 Months0.55% ― 0.55%N/A ― N/A
36 Months0.95% ― 0.95%N/A ― N/A
48 Months1.15% ― 1.15%N/A ― N/A
60 Months & Longer1.35% ― 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 one (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 is $1,000.00.  Penalties are imposed for early withdrawals.  Fees could reduce earnings.


Money Market Deposit Rates

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

Daily BalancesRateAPY
Less than $2,500.10%.10%
Greater than or equal to $2,500.15%.15%

Investors Advantage Money Market Deposit Rates
Rates are updated daily and are subject to change.
Minimum to open is $1,000.

Daily BalanceRateAPY
$2,500 ― $9,999.990.10%0.10%
$10,000 ― $24,999.990.10%0.10%
$25,000 ― $49,999.990.15%0.15%
$50,000 ― $99,999.990.15%0.15%
$100,000 ― $249,999.990.20%0.20%
$250,000 ― $499,999.990.25%0.25%
$500,000 ― $999,999.990.30%0.30%
$1,000,000 & Above0.35%0.35%

Other Deposit Rates

Rates are updated daily and are subject to change.

Account TypeRateAPYMinimum to Open
Statement Saving0.10%0.10%$100
NOW Account0.10%0.10%$1,000
Holiday Club ― AFT0.25%0.25%$2
Holiday Club ― Coupon Book0.00%0.00%
All Purpose Club ― AFT0.25%0.25%$2
All Purpose Club ― Coupon Book0.00%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.