Annual Percentage Yields (APYs) effective as of 1/26/2024


Transaction and Savings Accounts (1)


Product
Minimum 
Opening Deposit
Minimum Balance
to Earn Interest

Interest Rate

APY
Hometown Checking $100.00 $500.00 .02% .02%
Hometown Checking Plus $100.00 None .02% .02%
Hometown Checking
Plus 50
$100.00 None .02% .02%
NOW Checking (2) $1,000.00 None .25% .25%
First Security Checking (2) $1,000.00 $1,000.00 - $2,499.99
$2,500.00 and above
.75%
1.00%
.75%
1.00%
Regular Savings (2) $50.00 None .25% .25%
Advantage Money Market (2) $1,000.00 $1,000.00 - $2,499.99
$2,500.00 - $49,999.99 
$50,000.00 and above
.75%
1.00%

1.350%
.75%
1.00%

1.36%
USB Plus Money Market (2) $25,000.00 $0.01 - $24,999.99
$25,000.00 and above
.75%
1.250%
.75%
1.26%





Annual Percentage Yields (APYs) effective as of 1/26/2024

Certificates of Deposit (3)

Term Minimum Opening Deposit Interest Rate APY
30 days $1,000.00 1.00% 1.00%
60 days $1,000.00 1.00% 1.00%
90 days $1,000.00 1.00% 1.00%
182 days $1,000.00 1.50% 1.51%
12 months $1,000.00 2.05% 2.07%
18 months $1,000.00 2.00% 2.02%
24 months $1,000.00 2.00% 2.02%
30 months $1,000.00 2.00% 2.02%
36 months $1,000.00 2.00% 2.02%
48 months $1,000.00 2.00% 2.02%
60 months $1,000.00 2.00% 2.02%
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(1) Rates may change on Transaction and Savings accounts after the account is opened.

(2) Personal or business purpose accounts.

(3) A penalty may be imposed for early withdrawal.

*Fees could reduce earnings.