Deposit Rates

Personal and Business Account Rates

As of August 16, 2019

Term

Minimum Deposit

Interest Rate

Annual Percentage Rate (APY)

Interest Rate

Annual Percentage Rate (APY)

-

-

Under $100,000

Over $100,000

Certificates of Deposit

13 Month CD Special

23 Month CD Special

 

 

$1,000

$1,000

 

 

 

1.98% 

2.08%

 

 

  

2.00%

2.10%

 

 

 

 

 

 

 

 

 

 

 

 

Less than 6 months

$1,000

0.40%

0.40%

0.45%

0.45%

6 Month Term

$1,000

0.65%

0.65%

0.68%

0.68%

12 Month Term

$1,000

1.00%

1.00%

1.03%

1.03%

18 Month Term

$1,000

1.09%

1.10%

1.12%

1.13%

24 Month Term

$1,000

1.34%

1.35%

1.37%

1.38%

30 Month Term

$1,000

1.44%

1.45%

1.47%

1.48%

36 Month Term

$1,000

1.93%

1.95%

1.96%

1.98%

48 Month Term

$1,000

2.08%

2.10%

2.11%

2.13%

60 Month Term

$1,000

2.28%

2.30%

2.31%

2.33%

Account Balance

Minimum Deposit to Open

Interest Rate

Annual Percentage Rate (APY)

Savings

$0.01 to $9,999

$50

0.15%

0.15%

$10,000 to $24,999

$50

0.20%

0.20%

$25,000 to $99,999

$50

0.25%

0.25%

Over $100,000

$50

0.30%

0.30%

Minimum Deposit to Open

Interest Rate

Annual Percentage Rate (APY)

Christmas Club

$1

0.15%

0.15%

Minimum Deposit to Open

Interest Rate

Annual Percentage Rate (APY)

Minor Savings

$50

0.15%

0.15%

Account Balance

Minimum Deposit to Open

Interest Rate

Annual Percentage Rate (APY)

Health Savings Accounts

$0 to $999

$1

0.20%

0.20%

$1,000 to $4,999

$1

0.20%

0.20%

$5,000 to $9,999

$1

0.20%

0.20%

Over $10,000

$1

0.30%

0.30%

Product Name

Interest Rate

Annual Percentage Rate (APY)

Checking Accounts

    $50 minimum opening deposit required on all checking accounts

Performance Interest Checking

 

55+ Prestige Interest Checking

Direct Easy Interest Checking

Business Interest Checking

Not for Profit Interest Checking

     0.05%             $0.00 to $999.99

     0.10%             $1,000.00 and above

0.05%

0.05%

0.025%

0.05%

     0.05%     $0.00 to $999.99

     0.10%     $1,000.00 and above

0.05%

0.05%

0.025%

0.05%

Account Balance

Minimum Deposit to Open

Interest Rate

Annual Percentage Rate (APY)

Money Market Account

$0.01 to $9,999

$50

0.20%

0.20%

$10,000 to $24,999

$50

0.35%

0.35%

$25,000 to $99,999

$50

0.50%

0.50%

Over $100,000

$50

1.00%

1.00%

Term

Minimum Deposit

Interest Rate

Annual Percentage Rate (APY)

Interest Rate

Annual Percentage Rate (APY)

-

-

 

Under $100,000

Over $100,000
Individual Retirement Account

18 Month Certificate

$500

1.10%

1.10%

1.10%

1.10%

36 Month Certificate

$500

1.94%

1.95%

1.94%

1.95%

Prime Time IRA

$100

0.25%

0.25%

0.25%

0.25%

Rates are subject to change and may change after the account is open.  Fees could reduce earnings.  A penalty may be imposed for early withdrawal of CDs.

 

Find a
surcharge-free ATM

Allpoint Logo

HCBT is part of the Allpoint ATM Network. No fees, no hassel just like at a HCBT ATM.

Go to Top