Annual Percentage Yields (APYs) effective as of January 08, 2016.


Transaction and Savings Accounts (1)


Product
Minimum 
Opening Deposit
Minimum Balance
to Earn Interest

Interest Rate

APY
Hometown Checking $100.00 $500.00 .05% .05%
Hometown Checking Plus $100.00 None .05% .05%
Hometown Checking
Plus 50
$100.00 None .05% .05%
NOW Checking (2) $1,000.00 None .10% .10%
First Security Checking (2) $1,000.00 $1,000.00 - $2,499.99
$2,500.00 and above
.15%
.25%
.15%
.25%
Regular Savings (2) $50.00 None .15% .15%
Advantage Money Market (2) $1,000.00 $1,000.00 - $2,499.99
$2,500.00 - $49,999.99 
$50,000.00 and above
.10%
.25%

.45%
.10%
.25%

.45%
USB Plus Money Market (2) $25,000.00 $0.01 - $24,999.99
$25,000.00 and above
.25%
.50%
.25%
.50%






Certificates of Deposit (3)

Term Minimum Opening Deposit Interest Rate APY
30 days $1,000.00 .15% .15%
60 days $1,000.00 .15% .15%
90 days $1,000.00 .15% .15%
182 days $1,000.00 .35% .35%
12 months $1,000.00 .40% .40%
18 months $1,000.00 .45% .45%
24 months $1,000.00 .60% .60%
30 months $1,000.00 .60% .60%
36 months $1,000.00 .80% .80%
48 months $1,000.00 1.15% 1.16%
60 months $1,000.00 1.25% 1.26%
(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.