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Personal Savings

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Hometown Round Up Savings

  • An easy way to save money and balance your checkbook by rounding up all debit card purchases to the next dollar. All you need is a Hometown Bank personal checking account, Hometown Bank Visa debit card and a Hometown Bank personal savings account.
  • When you make a purchase with your Hometown Bank debit card, the amount will automatically be rounded up to the next whole dollar. The difference will be automatically deposited into your Hometown Bank savings account.

Hometown Savings Account

  • Minimum opening balance: $25
  • No minimum monthly balance. Earns interest on all maintained daily balances of $.01 and over. Interest will be compounded quarterly.  Interest will be credited quarterly.
  • Internet Banking
  • 6 withdrawals per quarter with no fee. $2 fee for each withdrawal over 6 per quarter
  • Detailed quarterly statement or can be combined with your checking account statement to receive it monthly.

Hometown All-Stars

For pre-school thru grade 12

  • Minimum opening balance: $1
  • Receive $1.00 per “A” up to a maximum of $10 per grading period
  • You must present your report card within 30 days of the current grading period date.
  • Money received from grades must be deposited into the All-Stars account and cannot be withdrawn for 24 months.
  • A 24 month hold will be placed on each bonus deposit made by the Bank on behalf of the student.
  • No minimum monthly balance. Earns interest on all maintained daily balances of $.01 and over. Interest will be compounded quarterly.  Interest will be credited quarterly.
  • Interest rate .05% — Annual Percentage Yield .05% — Rate and APY accurate as of 11/29/18; the rate may change after opening; fees could reduce earnings.
  • 6 withdrawals per quarter with no fee. $2 fee for each withdrawal over 6 per quarter
  • Quarterly statement

Christmas Club account

  • Minimum opening balance: $5
  • No monthly maintenance fee
  • Deposits may be made into the account or automatically deducted from your Hometown Bank checking account in any increment you wish.
  • Interest will be compounded annually.  Interest will be credited annually.  Interest is forfeited if account closes before maturity, and a $30 service fee may be imposed.
  • A partial withdrawal may be made before maturity and a $15 fee per withdrawal may be imposed.
  • At maturity, the balance, including accrued interest, will be mailed to you by check, or can be deposited into your Hometown Bank accounts.
  • Interest will not accrue on balances over $2,500
  • If your account has a balance less than $3 at the end of the club year, you will forfeit the balance in the account and any accrued interest.
  • Club year runs November 1st – October 10th.

Vacation Club Account

  • Minimum opening balance: $5
  • No monthly maintenance fee
  • Deposits may be made into the account or automatically deducted from your Hometown Bank checking account in any increment you wish.
  • Interest will be compounded annually.  Interest will be credited annually. Interest is forfeited if account closes before maturity, and a $30 service fee may be imposed.
  • A partial withdrawal may be made before maturity and a $15 fee per withdrawal may be imposed.
  • At maturity, the balance, including accrued interest, will be mailed to you by check, or can be deposited into your Hometown Bank accounts.
  • Interest will not accrue on balances over $2,500
  • If your account has a balance less than $3 at the end of the club year, you will forfeit the balance in the account and any accrued interest.
  • Club year runs April 1st – March 15th.

Certificates of Deposit

We offer federally insured, fixed-rate Certificates of Deposits with terms of 30 days to 60 months.

Individual Retirement Accounts

  • Plan for retirement with a federally insured IRA.
  • Traditional IRA –Terms of 6 months to 60 months
  • Roth – 1 & 5 year terms