Personal Savings

Uniquely You. Different Savings Accounts For Different Needs.

Home National Savings Accounts save you money with no monthly fee proving you maintain a minimum balance requirement. They are convenient with online or automatic transfers. Saves money with low dollar amount to open account. Save for future needs.

Money Market Savings (Consumer)

Rate Information: At our discretion, we may change the interest rate for this account. The interest rate on this account is .15% with an annual percentage yield of .15%. The interest rate and annual percentage yield may change at any time.

Compounding Frequency: Interest will be compounded monthly.

Crediting Frequency: Interest will be credited into this account monthly.

Daily Balance Computation Method: Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of Interest on Non-Cash Deposits: Interest will begin to accrue no later than the business day we receive credit for the deposit of non-cash items (for example checks) into your account.

Minimum Balance to Open: $1,500.00

Minimum Balance to Obtain the Disclosed Annual Percentage Yield: You must maintain a minimum daily balance of $1,500.00 in your account each day to obtain the disclosed annual percentage yield.

Minimum Balance to Avoid a Fee: If your balance falls below $1,500.00 on any day in the month, your account will be subject to a $5.00 Service Fee for that month.

Deposit Limitations: You may make unlimited deposits into your account.

Additional Terms: Limitations on frequency of transfers: During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitation set forth above in any statement period, your account will be subject to closure by the financial institution and/or your account will be charged a $1.00 service fee per transaction in excess of six transactions.

Passbook Savings

Rate Information: At our discretion, we may change the interest rate for this account. The interest rate on this account is 0.07% with an annual percentage yield of 0.07%. The interest rate and annual percentage yield may change at any time.

Compounding Frequency: Interest will be compounded semiannually.

Crediting Frequency: Interest will be credited into this account semiannually.

Daily Balance Computation Method: Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of Interest on Non-Cash Deposits: Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example checks) into your account.

Minimum Balance to Open: $25.00

Minimum Balance to Obtain the Disclosed Annual Percentage Yield: You must maintain a minimum daily balance of $25.00 in your account each day to obtain the disclosed annual percentage yield.

Minimum Balance to Avoid a Fee: If your balance falls below $200.00 on any day in the month, your account will be subject to a $2.00 Service Fee for that month.

Deposit Limitations: You may make unlimited deposits into your account.

Additional Terms: If there is EFT (Electronic Funds Transfer) activity on this account your statement cycle will be monthly.

Savings Accounts Features

  • Low as $25 to open
  • Easy transfer to checking
  • Earns money monthly
  • Some rates tiered
  • Withdraw money easily
  • Fixed rates available
  • Tax advantages available

Accounts Offered

  • Pass Book
  • Money Market
  • Pass Book Premium
  • CD’s
  • IRA’s
  • Health Savings
  • Christmas Club
  • OTMA Savings

Church, Charity & Non-Profit Accounts

Home National Bank also offers free savings accounts for churches, scouts or other non-profit organizations. Stop in for complete details.