Bank · FDIC insured
Hometown National Bank Savings Rates
Hometown National Bank’s best savings rate is 1.11% APY on $10,000, with its Foundations Money Market Account. Rates checked October 16, 2026.
How Hometown National Bank’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Hometown National Bank has the most branches. $10,000, best rate first.
This bank’s best
Hometown National Bank
1.11%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $111
Foundations Money Market Account
Top rate
Justice Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
United Trust Bank
3.90%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $390
Hometown National Bank savings score
86
Savings score
Higher than 73% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0001.11%
- $100,000 balance$100,0001.71%
- QualifiedQualified1.11%
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 Hometown National 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.
Foundations Money Market Account
1.11%APY
Minimum required to open is $2,500.00. A $10.00 monthly service fee applies if the balance falls below $2,500.00 on any day during the statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500$10.00 service fee applies if balance falls below $2,500.00 on any day during statement cycle. | 0.05% | — | $10.00 service fee applies if balance falls below $2,500.00 on any day during statement cycle. |
| $2,500 – $50,000$10.00 service fee applies if balance falls below $2,500.00 on any day during statement cycle. | 1.11% | $111 | $10.00 service fee applies if balance falls below $2,500.00 on any day during statement cycle. |
| $50,000 – $100,000$10.00 service fee applies if balance falls below $2,500.00 on any day during statement cycle. | 1.41% | — | $10.00 service fee applies if balance falls below $2,500.00 on any day during statement cycle. |
| $100,000 – $250,000$10.00 service fee applies if balance falls below $2,500.00 on any day during statement cycle. | 1.71% | — | $10.00 service fee applies if balance falls below $2,500.00 on any day during statement cycle. |
| $250,000 and up$10.00 service fee applies if balance falls below $2,500.00 on any day during statement cycle. | 1.97% | — | $10.00 service fee applies if balance falls below $2,500.00 on any day during statement cycle. |
Sources (2)
All captured Oct 16, 2026
Hometown Select Savings Account
0.75%APY
A higher yielding savings account for consumers with larger balances. Interest is earned on balances of $1,000.00 or more; compounded and credited every calendar quarter.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $2,500 | 0.20% | — |
| $2,500 – $5,000 | 0.50% | — |
| $5,000 and up | 0.75% | $75 |
Sources (3)
- myhtnb.bank/personal-savings-investments
- myhtnb.bank/personal-savings-i…s/hometown-green-savings
- myhtnb.bank/deposit-rates
All captured Oct 16, 2026
Statement Savings Account
0.20%APY
Minimum balance of $100 is required to avoid a $1.00 monthly fee. Interest is compounded and credited every calendar quarter.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Minimum balance of $100 is required to avoid a $1.00 monthly fee. | 0.05% | — | Minimum balance of $100 is required to avoid a $1.00 monthly fee. |
| $1,000 and upMinimum balance of $100 is required to avoid a $1.00 monthly fee. | 0.20% | $20 | Minimum balance of $100 is required to avoid a $1.00 monthly fee. |
Sources (3)
- myhtnb.bank/personal-savings-investments
- myhtnb.bank/personal-savings-i…tments/statement-savings
- myhtnb.bank/deposit-rates
All captured Oct 16, 2026
Special-purpose accounts
Your Way IRA
0.60%APY
Penalty may be applied for early withdrawal. Deposit any amount up to the annual maximum contribution limit. Traditional, Roth, SEP, and Self-Directed options available.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Penalty may be applied for early withdrawal. | 0.20% | — | Penalty may be applied for early withdrawal. |
| $1,000 – $10,000Penalty may be applied for early withdrawal. | 0.40% | — | Penalty may be applied for early withdrawal. |
| $10,000 and upPenalty may be applied for early withdrawal. | 0.60% | $60 | Penalty may be applied for early withdrawal. |
Sources (2)
All captured Oct 16, 2026
Health Savings Account
0.40%APY
Must be paired with a high deductible health plan.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Must be paired with a high deductible health plan. | 0.10% | — | Must be paired with a high deductible health plan. |
| $1,000 – $5,000Must be paired with a high deductible health plan. | 0.20% | — | Must be paired with a high deductible health plan. |
| $5,000 – $10,000Must be paired with a high deductible health plan. | 0.30% | — | Must be paired with a high deductible health plan. |
| $10,000 and upMust be paired with a high deductible health plan. | 0.40% | $40 | Must be paired with a high deductible health plan. |
Sources (3)
- myhtnb.bank/personal-savings-investments
- myhtnb.bank/personal-savings-investments/health-savings
- myhtnb.bank/deposit-rates
All 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.