Bank · FDIC insured
Home Bank CD Rates
Home Bank’s best CD rate is 3.85% APY on a 59-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Home Bank’s CD rates compare
Compared with banks and credit unions near Indianapolis, IN, where Home Bank has the most branches. $10,000, best rate first.
This bank’s best
Home Bank
3.85%APY
- Term
- 59 months
- Minimum
- $500
- Earns on $10,000
- $2,041
Special CD
Top rate
IU Credit Union
4.50%APY
- Term
- 6 months
- Minimum
- $2,000
- Earns on $10,000
- $223
2nd-highest rate
Elements Financial
4.50%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $298
Home Bank CD score
79
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.43%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo0.80%
- 31–60 months31–60 mo3.85%
- QualifiedQualified3.85%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Home Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special CD
Up to 3.85%APY · 4 terms
Limited-time promotional CD offer. Fixed-rate deposit product. Minimum balance of $500.00 required to open the account and earn the stated APY. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsPromotional CD. Interest paid at maturity. Fixed rate for the term of the CD. Early withdrawal penalty applies | 3.43% | $142 |
| 9 monthsPromotional CD. Interest paid quarterly. Fixed rate for the term of the CD. Early withdrawal penalty applies | 3.49% | $261 |
| 13 monthsPromotional CD. Interest paid quarterly. Rate and APY may change upon renewal; upon maturity, account renews at then-current rate and APY for the renewal term. Interest compounded daily. Early withdrawal penalty applies | 3.75% | $407 |
| 59 monthsPromotional CD. Interest paid quarterly. Fixed rate for the term of the CD. Early withdrawal penalty applies | 3.85% | $2,041 |
Sources (1)
- homebanksb.com/personal/cds-iras · captured Oct 15, 2026
Traditional Certificate of Deposit (CD)
Up to 1.36%APY · 7 terms
Fixed-rate deposit product. Minimum balance of $500.00 required to open the account and earn the stated APY. A penalty will be imposed for early withdrawal. Interest paid at maturity for 3-6 month CDs, quarterly for all other terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest paid at maturity. Fixed rate for the term of the CD. Early withdrawal penalty applies | 0.35% | $9 |
| 6 monthsInterest paid at maturity. Fixed rate for the term of the CD. Early withdrawal penalty applies | 0.75% | $37 |
| 12 monthsInterest paid quarterly. Fixed rate for the term of the CD. Early withdrawal penalty applies | 1.00% | $100 |
| 24 monthsInterest paid quarterly. Fixed rate for the term of the CD. Early withdrawal penalty applies | 0.80% | $161 |
| 36 monthsInterest paid quarterly. Fixed rate for the term of the CD. Early withdrawal penalty applies | 1.00% | $303 |
| 48 monthsInterest paid quarterly. Fixed rate for the term of the CD. Early withdrawal penalty applies | 1.26% | $514 |
| 60 monthsInterest paid quarterly. Fixed rate for the term of the CD. Early withdrawal penalty applies | 1.36% | $699 |
Sources (1)
- homebanksb.com/personal/cds-iras · captured Oct 15, 2026
Special-purpose accounts
Universal IRA
0.25%APY
Variable rate deposit product. Minimum balance of $10 required to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.25% | $25 |
Sources (1)
- homebanksb.com/personal/cds-iras · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.