All Interest Rates and Annual Percentage Yields (APY)
are accurate as of February 1, 2024.

Rates are subject to change without notice.

CD Rates

TERMSMinimum DepositInterest Rate1APY2
182 Day $1,000 5.00 5.06
1 Year (12 months) $1,000 4.75 4.84
2 Year (24 months) $1,000 3.70 3.75
3 Year (36 months) $1,000 3.45 3.49
Invest. Choice3 $1,000 3.35 3.39
4 Year (48 months) $1,000 3.25 3.29
IRA4 No Minimum Required 3.50 3.55

 1 We use the daily balance method to calculate the interest on your account. Interest begins to accrue on the business day you deposit noncash items (for example, checks). A.P.Y.** assumes interest to maturity.  Early withdrawal is subject to penalty. A 10-day grace period after maturity is allowed for withdrawal of funds without penalty, but interest ceases to accrue at maturity.
2 For CD's with maturities of 1 Year or Greater - Annual Percentage Yield is based on a quarterly compounding and assumes interest will remain on deposit until maturity.  For CD's less than 1 year maturity - Annual Percentage Yield is based on interest that will compound at maturity and assumes interest will remain on deposit.
3 Rate is 10 Basis Points under three-year CD; The rate can change once during the life of the certificate of deposit based upon the customer exercising an option to change to the rate then being offered for the same certificate of deposit with the same terms; Can never go below investment rate during term of CD; and movement is sole responsibility of investor.
4 The Home State Bank I.R.A.'s are 18-month certificates. The rate is variable for the term of the certificate & can change at any time at the bank's discretion.

Regular NOW Checking Account Rates

Minimum to OpenInterest RateAPY**
$1,000 1.00 1.00

Business Interest Checking Account Rates

Minimum to OpenInterest RateAPY**
$1,000 1.00 1.00

Personal & Business Regular Savings Account Rates

Minimum to OpenInterest RateAPY**
$50.00 1.25 1.26

Personal & Business Super Saver Account Rates

Daily BalanceInterest RateAPY**
$9,999.99 & Below* 1.25 1.26
$10,000 - $49,999.99 1.50 1.51
$50,000 - $99,999.99 1.75 1.76
$100,000 - $249,999.99 2.25 2.27
$250,000 & Above 2.50 2.53
*Minimum Balance to Open:  $500.00

 ** APY = Annual Percentage Yields. Fees may reduce earnings. Rates may change after account is opened. 


If you have any questions about any of the services we offer, please call us at 877-474-5511 or 712-933-5511, Email us, or stop in to see us during normal business hours.

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