Bank · FDIC insured
HomeBank Savings Rates
HomeBank’s best savings rate is 1.16% APY on $10,000, with its TIME OPEN SAVINGS. Rates checked October 16, 2026.
How HomeBank’s savings 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
1.16%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $116
TIME OPEN SAVINGS
2nd-highest rate
Members First Community CU
1.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $100
3rd-highest rate
United State Bank
1.00%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $100
HomeBank savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0001.16%
- $10,000 balance$10,0001.16%
- $100,000 balance$100,0001.16%
- QualifiedQualified1.16%
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 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 Super Money Fund
1.56%APY
$15.00 monthly balance fee if balance falls below $5,000.00 any day of the statement cycle. Limited to 6 transfers/debits per statement cycle; $5.00 excess debit fee per debit over 6. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $25,000Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $5,000.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. | 1.56% | $156 | Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $5,000.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. |
| $25,000 – $50,000Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $5,000.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. | 1.61% | — | Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $5,000.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. |
| $50,000 – $100,000Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $5,000.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. | 1.71% | — | Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $5,000.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. |
| $100,000 – $199,000Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $5,000.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. | 1.97% | — | Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $5,000.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. |
| $200,000 – $500,000Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $5,000.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. | 2.48% | — | Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $5,000.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. |
| $500,000 and upDaily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $5,000.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. | 3.05% | — | Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $5,000.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. |
TIME OPEN SAVINGS
1.16%APY
Daily Balance Required. Maximum opening per TIN for CD and IRA specials is $1,000,000. $249,000 per account limit. Early withdrawal penalty applies.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 1.16% | $116 |
Sources (1)
- myhomebank.bank/personal/cd-ira · captured Oct 5, 2026
Money Market Account
0.35%APY
$15.00 monthly balance fee if balance falls below $2,500.00 any day of the statement cycle. Limited to 6 transfers/debits per statement cycle; $5.00 excess debit fee per debit over 6. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $2,500.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. | 0.30% | — | Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $2,500.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. |
| $10,000 – $25,000Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $2,500.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. | 0.35% | $35 | Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $2,500.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. |
| $25,000 – $50,000Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $2,500.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. | 0.45% | — | Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $2,500.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. |
| $50,000 – $100,000Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $2,500.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. | 0.60% | — | Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $2,500.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. |
| $100,000 – $200,000Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $2,500.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. | 0.70% | — | Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $2,500.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. |
| $200,000 and upDaily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $2,500.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. | 1.00% | — | Daily balance method used. $15.00 monthly balance fee waived if minimum daily balance remains at or above $2,500.00. If utilizing IntraFi Network Deposits, interest rate is reduced by 15 bps. |
Sources (3)
- myhomebank.bank/personal/checking
- myhomebank.bank/personal/checking2/money-market-2
- myhomebank.bank/personal/rates
All captured Oct 5, 2026
SUMMER SAVINGS
0.65%APY
Maximum opening deposit of $2,500.00. Overall deposit limit of $10,000. Deposits allowed up to second week of May; funds disbursed third week of May. Early withdrawal penalties of 10% (minimum $25.00) apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Maximum opening deposit is $2,500.00; overall deposit limit is $10,000.00.Up to $10,000 | 0.65% | $65 | Maximum opening deposit is $2,500.00; overall deposit limit is $10,000.00. |
Sources (3)
- myhomebank.bank/personal/rates
- myhomebank.bank/personal/savings
- myhomebank.bank/personal/savings-2/summer-savings
All captured Oct 5, 2026
SUPREME SAVINGS
0.55%APY
Monthly balance fee of $2.00 imposed if balance falls below $500.00 any day of the month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMonthly fee of $2.00 imposed if balance falls below $500.00 any day of the month.$500 and up | 0.55% | $55 | Monthly fee of $2.00 imposed if balance falls below $500.00 any day of the month. |
Sources (3)
- myhomebank.bank/personal/rates
- myhomebank.bank/personal/savings
- myhomebank.bank/personal/savin…/supreme-savings-account
All captured Oct 5, 2026
Special-purpose accounts
CHRISTMAS CLUB
0.65%APY
Maximum opening deposit of $2,500.00. Overall deposit limit of $10,000. Deposits allowed up to second week of October; funds disbursed third week of October. Early withdrawal penalties of 10% (minimum $25.00) apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Maximum opening deposit is $2,500.00; overall deposit limit is $10,000.00.Up to $10,000 | 0.65% | $65 | Maximum opening deposit is $2,500.00; overall deposit limit is $10,000.00. |
Sources (3)
- myhomebank.bank/personal/rates
- myhomebank.bank/personal/savings
- myhomebank.bank/personal/savin…mas-club-savings-account
All captured Oct 5, 2026
HEALTH SAVINGS ACCOUNT
0.35%APY
Associated with a high deductible health plan. Monthly maintenance fee of $3.00 imposed during the statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.25% | — |
| $10,000 – $25,000 | 0.35% | $35 |
| $25,000 and up | 0.45% | — |
BASIC SAVINGS
0.40%APY
Monthly balance fee of $2.00 waived if minimum balance of $50.00 is maintained each day of the month. For primary owners under 18 (or full-time students), minimum to open and earn interest is $10.00 and service charge fee is waived.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMonthly fee of $2.00 imposed if balance falls below $50.00 any day of the month.$50 and up | 0.40% | $40 | Monthly fee of $2.00 imposed if balance falls below $50.00 any day of the month. |
Sources (3)
- myhomebank.bank/personal/rates
- myhomebank.bank/personal/savings
- myhomebank.bank/personal/savings-2/basic-savings-account
All 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.