Current Rates

09/06/2012

Rates are effective as of the above date.

Rates may change after the account is opened. Fees may reduce earnings.

*APY = Annual Percentage Yield

Checking

Home Town Advantage

  • Interest Rate: .15%
  • *APY .15%
  • Interest rate and annual percentage yield may change daily.
  • Minimum balance to open is $1,000.00
  • Minimum balance required to avoid fee is $1,000.

Home Town Advantage Plus

  • Interest Rate: .25%
  • *APY: .25%
  • Interest rate and annual percentage yield may change daily.
  • Minimum balance to open is $5,000.00
  • Minimum balance required to avoid fee is $5,000.00.

Savings

Hometown Savings

  • Interest rate and annual percentage yield may change daily.
  • Minimum balance to open is $100.00
  • Minimum balance required to avoid fee is $100.00.

Daily Balance

Interest Rate

*APY

Less than $5,000

0.15%

0.15%

$5,000 - $9,999.99

0.20%

0.20%

$10,000 - $24,999.99

0.25%

0.25%

$25,000 - $49,999.99

0.30%

0.30%

$50,000 and up

0.35%

0.35%

HomeTown Kids Savings

  • Interest rate and annual percentage yield may change daily.
  • Minimum balance to open account is $1.00.

Daily Balance

Interest Rate

*APY

Less than $5,000

0.15%

0.15%

$5,000 - $9,999.99

0.20%

0.20%

$10,000 - $24,999.99

0.25%

0.25%

$25,000 - $49,999.99

0.30%

0.30%

$50,000 and up

0.35%

0.35%

HomeTown Money Market Savings

  • Interest rate and annual percentage yield may change daily.
  • Minimum balance to open is $5,000.00
  • Minimum balance required to avoid fee is $5,000.00.

Daily Balance

Interest Rate

*APY

< $5,000.00

0.20%

0.20%

$5,000 TO $9,999.99

0.25%

0.25%

$10,000 TO $24,999.99

0.30%

0.30%

$25,000 to $49,999.99

0.35%

0.35%

$50,000 and up

0.40%

0.40%

HomeTown Elite Money Market Savings

  • Interest rate and annual percentage yield may change daily.
  • Minimum balance to open is $5,000.00
  • Minimum balance required to avoid fee is $5,000.00.

Daily Balance

Interest Rate

*APY

< $5,000.00

0.20%

0.20%

$5,000 - $9,999.99

0.25%

0.25%

$10,000 - 24,999.99

0.30%

0.30%

$25,000-$49,999.99

0.40%

0.40%

$50,000-$99,999.99

0.45%

0.45%

$100,000 and up

0.50%

0.50%

Contact us at hometown@farmersstatebanksd.com to open a checking, savings or money market account, or contact your nearest branch.

Certificates of Deposit.

Term

Interest Rate

*APY

Minimum
Deposit

Compounding
Frequency

91 Day

0.15%

0.15%

$1,000

at maturity

182 Day

0.25%

0.25%

$1,000

at maturity

1 Year

0.40%

0.40%

$300

daily

2 Year

0.65%

0.65%

$300

daily

3 Year

0.95%

0.95%

$300

daily

5 Year

1.25%

1.26%

$300

daily

Penalty may be applied for early withdrawal.

Individual Retirement Accounts (IRAs).

Minimum to open

Interest Rate

*APY

$1,000

1.00%

1.01%

Questions? Email us at hometown@farmersstatebanksd.com, or call (605) 648-3683.