Bank · FDIC insured
Home Savings Bank CD Rates
Home Savings Bank’s best CD rate is 4.30% APY on a 3-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Home Savings Bank’s CD rates compare
Compared with banks and credit unions near Wapakoneta, OH, where Home Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Home Savings Bank
4.30%APY
- Term
- 36 months
- Minimum
- —
- Earns on $10,000
- $1,346
Certificate of Deposit
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
3rd-highest rate
Superior Credit Union
4.20%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,284
Home Savings Bank CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.30%
- QualifiedQualified4.30%
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 Savings 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.
Certificate of Deposit
Up to 4.30%APY · 13 terms
Rates effective as of October 6, 2026. There is an interest penalty for early withdrawal from certificates of deposit.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsTerm: 91 Day | — | 3.00% | 3.00% | $74 |
| 6 monthsTerm: 182 Day | — | 3.50% | 3.50% | $173 |
| 10 months | 0.70% | — | 0.70% | $58 |
| 12 monthsQuarterly compounding | 0.80% | — | 0.80% | $80 |
| 13 monthsPF** = Penalty Free; Quarterly compounding | 3.80% | — | 3.80% | $412 |
| 13 monthsQuarterly compounding | 4.00% | — | 4.00% | $434 |
| 17 monthsQuarterly compounding | 1.00% | — | 1.00% | $142 |
| 18 monthsQuarterly compounding | 0.95% | — | 0.95% | $143 |
| 24 monthsQuarterly compounding | 1.31% | — | 1.31% | $264 |
| 25 monthsPF** = Penalty Free; Quarterly compounding | 3.80% | — | 3.80% | $808 |
| 25 monthsQuarterly compounding | 4.00% | — | 4.00% | $851 |
| 30 monthsQuarterly compounding | 1.41% | — | 1.41% | $356 |
| 36 monthsQuarterly compounding | 4.30% | — | 4.30% | $1,346 |
| 48 monthsQuarterly compounding | 1.96% | — | 1.96% | $807 |
| 60 monthsQuarterly compounding | 2.27% | — | 2.27% | $1,188 |
Sources (1)
- secure.homesavings-wapak.com/Pages/rates.html · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.30%APY · 13 terms
Rates effective as of October 6, 2026. All savings accounts are eligible for IRA investments at the same rates and terms listed above. There is an interest penalty for early withdrawal from certificates of deposit.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsTerm: 91 Day | — | 3.00% | 3.00% | $74 |
| 6 monthsTerm: 182 Day | — | 3.50% | 3.50% | $173 |
| 10 months | 0.70% | — | 0.70% | $58 |
| 12 monthsq* quarterly compounding | 0.80% | — | 0.80% | $80 |
| 13 monthsPF** = Penalty Free; q* quarterly compounding | 3.80% | — | 3.80% | $412 |
| 13 monthsq* quarterly compounding | 4.00% | — | 4.00% | $434 |
| 17 monthsq* quarterly compounding | 1.00% | — | 1.00% | $142 |
| 18 monthsq* quarterly compounding | 0.95% | — | 0.95% | $143 |
| 24 monthsq* quarterly compounding | 1.31% | — | 1.31% | $264 |
| 25 monthsPF** = Penalty Free; q* quarterly compounding | 3.80% | — | 3.80% | $808 |
| 25 monthsq* quarterly compounding | 4.00% | — | 4.00% | $851 |
| 30 monthsq* quarterly compounding | 1.41% | — | 1.41% | $356 |
| 36 monthsq* quarterly compounding | 4.30% | — | 4.30% | $1,346 |
| 48 monthsq* quarterly compounding | 1.96% | — | 1.96% | $807 |
| 60 monthsq* quarterly compounding | 2.27% | — | 2.27% | $1,188 |
Sources (1)
- secure.homesavings-wapak.com/Pages/rates.html · captured Oct 16, 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.