Bank · FDIC insured
Home Loan State Bank Savings Rates
Home Loan State Bank’s best savings rate is 0.34% APY on $10,000, with its Personal Money Market. Rates checked October 22, 2026.
How Home Loan State Bank’s savings rates compare
Compared with banks and credit unions near Grand Junction, CO, where Home Loan State Bank has the most branches. $10,000, best rate first.
This bank’s best
Home Loan State Bank
0.34%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $34
Personal Money Market
Top rate
Credit Union of Colorado
3.30%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $330
2nd-highest rate
Canvas Credit Union
3.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $300
Home Loan State Bank savings score
76
Savings score
Higher than 40% of U.S. banks and credit unions
- $1,000 balance$1,0000.17%
- $10,000 balance$10,0000.34%
- $100,000 balance$100,0002.00%
- QualifiedQualified0.34%
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 Loan State Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Personal Money Market
0.34%APY
Rates may change weekly. Interest compounded and credited monthly. Average daily balance method. Minimum deposit amount is $0.01 per day. Bill Pay inactivity fee ($5.00) applies if enrolled and fewer than 3 payments are made per month. Online banking free with eStatements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,500Interest paid on the entire balance in your account. Monthly service fee of $12.00 applies if balance falls below $2,500.00 on any day in the month. Minimum average daily balance to obtain APY is $100.00. | 0.32% | — | Interest paid on the entire balance in your account. Monthly service fee of $12.00 applies if balance falls below $2,500.00 on any day in the month. Minimum average daily balance to obtain APY is $100.00. |
| $2,500 – $100,000Interest paid on the entire balance in your account. Monthly service fee of $12.00 applies if balance falls below $2,500.00 on any day in the month. Minimum average daily balance to obtain APY is $100.00. | 0.34% | $34 | Interest paid on the entire balance in your account. Monthly service fee of $12.00 applies if balance falls below $2,500.00 on any day in the month. Minimum average daily balance to obtain APY is $100.00. |
| $100,000 and upInterest paid on the entire balance in your account. Monthly service fee of $12.00 applies if balance falls below $2,500.00 on any day in the month. Minimum average daily balance to obtain APY is $100.00. | 2.00% | — | Interest paid on the entire balance in your account. Monthly service fee of $12.00 applies if balance falls below $2,500.00 on any day in the month. Minimum average daily balance to obtain APY is $100.00. |
Sources (1)
- hlsb.com/Disclosures/TIS-%20Pe…nal%20Money%20Market.pdf · captured Oct 22, 2026
Regular Savings
0.17%APY
Minimum daily balance to earn interest is $100. Monthly Service Fee of $3 applies if balance falls below $100. Interest rate and APY may change weekly. Crediting and compounding quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMin balance $100 daily to earn interest and waive fee. Interest rate may change weekly (source f42 lines 6–7, 25–26, 28).Any balance | 0.17% | $17 | Min balance $100 daily to earn interest and waive fee. Interest rate may change weekly (source f42 lines 6–7, 25–26, 28). |
Sources (3)
- hlsb.com/Disclosures/TIS-Regular%20Savings.pdf
- hlsb.com/Content/Retail_Savings.docx
- hlsb.com/Retail.php
All captured Oct 22, 2026
Slugger Savings
0.17%APY
Minimum balance to open is $100.00. Minimum daily balance of $100.00 to obtain disclosed APY and earn interest. No monthly service fee. Interest rate and APY may change weekly. Crediting and compounding quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to open is $100.00. Must maintain a minimum daily balance of $100.00 to earn interest and obtain the disclosed APY. Interest rate and APY may change weekly.$100 and up | 0.17% | $17 | Minimum balance to open is $100.00. Must maintain a minimum daily balance of $100.00 to earn interest and obtain the disclosed APY. Interest rate and APY may change weekly. |
Sources (3)
- hlsb.com/Disclosures/TIS-%20Sluggar%20Savings.pdf
- hlsb.com/Content/Retail_Savings.docx
- hlsb.com/Retail.php
All captured Oct 22, 2026
Special-purpose accounts
Health Savings
2.78%APY
Rates may change weekly (source f38 line 13). Monthly Service Fee of $2 applies if average daily balance falls below $500.00 for any month (source f38 lines 27–28).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Rate tier 1: Balance under $500.00. Fee of $2/month if balance below $500 (source f38 lines 7–9, 27–28). | 0.00% | — | Rate tier 1: Balance under $500.00. Fee of $2/month if balance below $500 (source f38 lines 7–9, 27–28). |
| $500 – $2,500Rate tier 2: Balance from $500.00 to $2,499.99. Fee waived if balance above $500.00. source f38 lines 9–10, 27–28). | 0.52% | — | Rate tier 2: Balance from $500.00 to $2,499.99. Fee waived if balance above $500.00. source f38 lines 9–10, 27–28). |
| $2,500 and upRate tier 3: Balance of $2,500.00 or more. No fee (source f38 lines 11–12, 27–28). | 2.78% | $278 | Rate tier 3: Balance of $2,500.00 or more. No fee (source f38 lines 11–12, 27–28). |
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.