Personal Savings

A small amount of savings each week can quickly add up to the funds you need for education cost, major purchases, other investment opportunities or that unexpected emergency that requires ready cash. Let us help you develop a personalized savings program that is right for you. Federal regulations allow only six preauthorized transfers per month.

Your Hometown Bank is proud to be a part of your community and we truly want to earn your business.  We offer competitive rates, convenience and bank deposits that are safe and secure.

Regular Savings Account

  • No service charge for withdrawals from savings accounts with a $500 minimum balance.
  • Below $500, one free withdrawal per month. A service charge of $.50 per additional withdrawal will be charged if the balance has fallen below the minimum required balance.
  • Maintain an average monthly balance of only $300 and avoid a $3.50 monthly maintenance charge.
  • An account opened and closed within 90 days will be service charged $10.

Minor Savings Account (under age 18)

  • Maintain an average monthly balance of only $50, and avoid a $3.50 monthly maintenance charge. All other standard fees of the Regular Savings Account will apply.


Automatic Savings Plan

Just tell us the amount you want to save every month and we'll transfer it automatically. Saving money will be easier for you, and you'll be surprised and pleased at how quickly your savings will add up into a substantial nest egg.


Insured Money Market Account

You can earn higher interest than with a traditional savings account while maintaining immediate access to your funds.

  • Earns a money market rate of interest.
  • Allows six preauthorized transfers from the account per month.  (Unlimited withdrawals by ATM or in person).
  • No service charge with a $1,000 minimum balance. A service charge of $10 will be imposed any statement period that the balance falls below the $1,000 on any day of that statement period.


Certificates of Deposit *

CDs are an excellent investment tool that offer security and higher interest rates. We offer various options for the term of the CD so you may select the one that best fits your financial goals.

  • CD purchases are available with a low minimum investment.
  • Maturities available from 30 days to 5 years.
  • Automatic renewal feature.
  • Maturity terms determine the interest rate.
  • CD information reported monthly on combined checking/savings image statement.
  • Free 24-hour Hotline Banking service.

      * Early withdrawal penalty may apply.  


Jumbo Certificates Of Deposit*

$100,000 minimum required with rates for various maturities.

      * Early withdrawal penalty may apply.


Individual Retirement Accounts *

Choose between Traditional, Roth, or Self-Directed Individual Retirement Accounts.


  • Allows you to contribute all or part of your compensation up to the allowed maximum.
  • Certain contributions are tax-deductible in the year for which they are made.
  • All earnings are tax-deferred until you make withdrawals from your account.
  • Open your personal tax-sheltered retirement plan.


  • Contributions are nondeductible from federal income tax.
  • After the account has been opened for five successive tax years, you may take tax-free distributions under certain conditions.
  • Earnings accumulate tax-deferred.
  • Control the investments made to your IRA through buying and selling stock, bonds and mutual funds.


  • Control the investments made to your IRA through buying and selling stock, bonds and mutual funds. (Not FDIC Insured)

      * Early withdrawal penalty may apply.


Simplified Employee Pension (SEP/IRA)*

This is a written plan that allows an employer to contribute tax-deductible dollars into the employee's Individual Retirement Account (IRA).

       * Early withdrawal penalty may apply. 







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