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Rates








Checking Accounts Rate APY Minimum Balance to Obtain APY Minimum Balance to Open
MMDA Business, Personal, Non-Personal and Public Funds



  $25.00 to $99,999 2.75% 2.78% $25.00 $25.00
$100,000 to $499,999 3.25% 3.30% $100,000.00 $25.00
 $500,000 to $1,499,999 3.75% 3.82% $500,000.00 $25.00
 $1,500,000 and above 4.95% 5.06% $1,500,000.00 $25.00
MMDA 1st Class Public Funds



   $1.00 to $499,999 2.90% 2.94% $1.00 $1.00
$500,000 to $999,999 3.45% 3.51% $500,000.00 $1.00
$1,000,000 to $1,999,999 3.75% 3.82% $1,000,000.00 $1.00
$2,000,000 and above 4.95% 5.06% $2,000,000.00 $1.00
Public Funds Interest Checking 0.35% 0.35% $25.00 $25.00
IOLTA
 0.25% 0.25% $25.00 $25.00
NOW Sole Proprietor
 0.10% 0.10% $25.00 $25.00
NOW Non-Personal
 0.10% 0.10% $25.00 $25.00
Senior Checking
less than $5,000
 0.10% 0.10% $25.00 $25.00
Senior Checking
over $5,000		 0.10% 0.10% $25.00 $25.00
Health Savings Acct
less than $5,000		 0.10% 0.10% $25.00 $25.00
Health Savings Acct
over $5,000
 0.10% 0.10% $25.00 $25.00
The Annual Percentage Yield (APY) is effective as of February 21, 2024.
Interest rates may change after the account is opened.
Fees could reduce earnings.

MMDA Business, Personal, Non-Personal and Public Funds, Statement Savings Plus and Statement Savings Plus Non-Personal:  A minimum balance of $5,000 is required to avoid a monthly service fee of $15.00.  

MMDA 1st Class Public Funds:  A minimum balance of $10,000 is required to avoid a monthly service fee of $15.00.

Public Funds Interest Checking:  An average ledger balance of $10,000 is required to avoid a monthly service fee of $15.00

NOW Sole Proprietor and NOW Non Personal:  An average ledger balance of $500 is required to avoid a monthly service fee of $10.00

Fixed Rate CD:  A penalty may be imposed for early withdrawals.

Variable rate CD:  Withdrawals in excess of one per month will be subject to penalty.

Please see an account representative for details.
Savings Accounts Rate APY Minimum Balance to Obtain APY Minimum Balance to Open
Passbook Savings 0.15% 0.15% $100.00 $25.00
Statement Savings Personal 0.15% 0.15% $100.00 $25.00
Statement Savings Non-Personal 0.15% 0.15% $100.00 $25.00
Statement Savings Plus Personal 0.20% 0.20% $25.00 $25.00
Statement Savings Plus Non-Personal 0.20% 0.20% $25.00 $25.00





Club Accounts 0.15% 0.15% $0.01 $1.00
The Annual Percentage Yield (APY) is effective as of February 21, 2024.
Interest rates may change after the account is opened.
Fees could reduce earnings.

MMDA Business, Personal, Non-Personal and Public Funds, Statement Savings Plus and Statement Savings Plus Non-Personal:  A minimum balance of $5,000 is required to avoid a monthly service fee of $15.00.  

MMDA 1st Class Public Funds:  A minimum balance of $10,000 is required to avoid a monthly service fee of $15.00.

Public Funds Interest Checking:  An average ledger balance of $10,000 is required to avoid a monthly service fee of $15.00

NOW Sole Proprietor and NOW Non Personal:  An average ledger balance of $500 is required to avoid a monthly service fee of $10.00

Fixed Rate CD:  A penalty may be imposed for early withdrawals.

Variable rate CD:  Withdrawals in excess of one per month will be subject to penalty.

Please see an account representative for details.
Certificates of Deposit/IRA Rate APY Minimum Balance to Obtain APY Minimum Balance to Open
Fixed Rate:



7-91 days 0.15% 0.15% $1,000.00 $1,000.00
6 months 0.15% 0.15% $1,000.00 $1,000.00
12 months 0.25% 0.25% $1,000.00 $1,000.00
13 months 4.70% 4.80% $1,000.00 $1,000.00
18 months 0.30% 0.30% $1,000.00 $1,000.00
24 months 0.35% 0.35% $1,000.00 $1,000.00
25 months 3.74% 3.80% $1,000.00 $1,000.00
30 months 0.40% 0.40% $1,000.00 $1,000.00
36 months 3.00% 3.04% $1,000.00 $1,000.00
48 months 0.50% 0.50% $1,000.00 $1,000.00
60 months 0.60% 0.60% $1,000.00 $1,000.00
61 months 1.80% 1.81% $1,000.00 $1,000.00
Variable Rate:



12 month variable rate 2.25% 2.27% $500.00 $500.00





IRA Savings 0.15% 0.15% $0.01 $25.00
The Annual Percentage Yield (APY) is effective as of February 21, 2024.
Interest rates may change after the account is opened.
Fees could reduce earnings.

MMDA Business, Personal, Non-Personal and Public Funds, Statement Savings Plus and Statement Savings Plus Non-Personal:  A minimum balance of $5,000 is required to avoid a monthly service fee of $15.00.  

MMDA 1st Class Public Funds:  A minimum balance of $10,000 is required to avoid a monthly service fee of $15.00.

Public Funds Interest Checking:  An average ledger balance of $10,000 is required to avoid a monthly service fee of $15.00

NOW Sole Proprietor and NOW Non Personal:  An average ledger balance of $500 is required to avoid a monthly service fee of $10.00

Fixed Rate CD:  A penalty may be imposed for early withdrawals.

Variable rate CD:  Withdrawals in excess of one per month will be subject to penalty.

Please see an account representative for details.

Hometown Bank offers a variety of Mortgage Loans:

  • Home Equity
  • Home Equity Line of Credit
  • Fixed Mortgages
  • ARM Mortgages
  • Construction Mortgages

For the latest mortgage rates, please call any of our Hometown Bank of Pennsylvania locations:

Bedford: 814-623-6093
Everett: 814-652-6093 
Claysburg: 814-310-2869
Martinsburg: 814-310-5200
Woodbury: 814-766-2413
Saxton: 814-635-9064

Hometown Bank offers a variety of Consumer Loans:

  • Auto Loans
  • Recreational Vehicle Loans
  • Personal Line of Credit
  • Personal Loans
  • CD Secured Loans

For more information regarding these types of loans, please call any of our Hometown Bank of Pennsylvania locations.

Bedford: 814-623-6093
Everett: 814-652-6093 
Claysburg: 814-310-2869
Martinsburg:  814-310-5200
Woodbury: 814-766-2413
Saxton: 814-635-9064
Personal attention is important as you are focused on your business. Hometown Bank would enjoy working with you to create a great working relationship. 

We offer the following products to our local business owners:

  • Real Estate Loans
  • Equipment Loans
  • Farm Loans
  • Working Capital Loans
  • Vehicle Loans

We are a relationship Bank and we care about you and your business.
Call one of Commercial Loan Officers today!

Jim Gonsman/Bedford Branch- (814) 624-1012

Carol Clark/Everett Branch- (814) 624-1056

Doug Koontz/Martinsburg Branch- (814) 310-5202





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