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Savings & Investment Accounts

Personal Savings

  • No monthly service fee with $300 minimum daily balance ($7.50 if under)
  • Competitive rates
  • ATM access
  • Free online banking
  • eStatements available
  • 3 Free withdrawals per month ($5.00 fee per withdrawal thereafter). Limit of 6 withdrawals per month.
  • $300 minimum to open

Interest is compounded and credited quarterly. The interest rate is variable and subject to change without notice. We use the daily balance method to calculate interest. Interest begins to accrue on the business day you deposit cash or non-cash items (for example, checks).

Minor Savings (18 and under)

  • No minimum daily balance
  • Competitive rates
  • Free online banking
  • eStatements available
  • 3 Free withdrawals per month ($5.00 fee per withdrawal thereafter). Limit of 6 withdrawals per month.
  • $25 minimum to open

Interest is compounded and credited quarterly. The interest rate is variable and subject to change without notice. We use the daily balance method to calculate interest. Interest begins to accrue on the business day you deposit cash or non-cash items (for example, checks).

Christmas Club

Take the stress out of your holidays with an easy savings plan that offers:

  • $500 minimum deposit
  • $5 fee to open
  • Principal distributed by check or direct deposit annually in time for holiday shopping *
  • Annual statements

*Please refer to the Truth in Savings Disclosure for additional conditions that may apply.

Certificate of Deposit

HomeTown Bank, N.A. offers a competitive array of fixed-term products that allow you to design your own savings strategy. Our standard certificates provide:

  • Any term available from 7 days to 5 years
  • A variety of interest payment options
  • 10 day grace periods allows for flexible changes and maturity
  • Call for more information and current rates

Secure Rate Certificate of Deposit

A 17 month Certificate of Deposit that allows the investor to change the original interest rate after seven months to a higher rate if the rate on the CD goes up. The investor can only change the rate one time after the first seven months and the new rate will remain in effect for the balance of the 17 month term. Please call for more information and current rates.

IRA's

Contributing to an IRA is an excellent way to save for retirement. An IRA can be a valuable addition to your retirement savings program. At HomeTown Bank, we offer both Traditional IRA's and Roth IRA's. Please call for more information and current rates.