Bank · FDIC insured
HomeBank CD Rates
HomeBank’s best CD rate is 4.11% APY on a 14-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How HomeBank’s CD rates compare
Compared with banks and credit unions near Quincy, IL-MO, where HomeBank has the most branches. $10,000, best rate first.
This bank’s best
HomeBank
4.11%APY
- Term
- 14 months
- Minimum
- $2,500
- Earns on $10,000
- $481
Certificate of Deposit (CD)
Top rate
Great Rivers Bank
4.25%APY
- Term
- 18 months
- Minimum
- —
- Earns on $10,000
- $644
3rd-highest rate
Heartland Bank and Trust Company
4.10%APY
- Term
- 23 months
- Minimum
- $5,000
- Earns on $10,000
- $801
HomeBank CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo4.06%
- 9–15 months9–15 mo4.11%
- 16–30 months16–30 mo1.51%
- 31–60 months31–60 mo2.02%
- QualifiedQualified4.11%
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 HomeBank 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 (CD)
Up to 4.11%APY · 11 terms
Daily Balance Required & $249,000 per account limit. A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.16% | $29 |
| 6 months | 1.26% | $63 |
| 8 months8-Month Special. Maximum opening per TIN for CD and IRA specials is $1,000,000 | 4.06% | $269 |
| 12 months | 1.26% | $126 |
| 14 months14-Month Special. Maximum opening per TIN for CD and IRA specials is $1,000,000 | 4.11% | $481 |
| 18 months | 1.31% | $197 |
| 24 months | 1.41% | $284 |
| 30 months | 1.51% | $382 |
| 36 months | 1.51% | $460 |
| 48 months | 1.76% | $723 |
| 60 months | 2.02% | $1,052 |
Sources (1)
- myhomebank.bank/personal/cd-ira · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.11%APY · 8 terms
Daily Balance Required & $249,000 per account limit. A penalty will be imposed for early withdrawal.
| Term | APY · Up to $249,000 | APY · $2,500 – $249,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| Unknown | 1.16% | — | 1.16% | $0 |
| 8 months8-Month Special. Maximum opening per TIN for CD and IRA specials is $1,000,000 | — | 4.06% | 4.06% | $269 |
| 12 months | — | 1.26% | 1.26% | $126 |
| 14 months14-Month Special. Maximum opening per TIN for CD and IRA specials is $1,000,000 | — | 4.11% | 4.11% | $481 |
| 24 months | — | 1.41% | 1.41% | $284 |
| 36 months | — | 1.51% | 1.51% | $460 |
| 48 months | — | 1.51% | 1.51% | $618 |
| 60 months | — | 1.51% | 1.51% | $778 |
Sources (1)
- myhomebank.bank/personal/cd-ira · captured Oct 5, 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.