Current Rates

02/04/2010

Rates are effective as of the above date.

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

*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

0.25%

0.25%

$5,000 - $9,999.99

0.35%

0.35%

$10,000 - $24,999.99

0.45%

0.45%

$25,000 - $49,999.99

0.55%

0.55%

$50,000 and up

0.65%

0.65%

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

0.25%

0.25%

$5,000 - $9,999.99

0.35%

0.35%

$10,000 - $24,999.99

0.45%

0.45%

$25,000 - $49,999.99

0.55%

0.55%

$50,000 and up

0.65%

0.65%

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

0.30%

0.30%

$5,000 TO $9,999.99

0.45%

0.45%

$10,000 TO $24,999.99

0.60%

0.60%

$25,000 to $49,999.99

0.75%

0.75%

$50,000 and up

0.90%

0.90%

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

0.30%

0.30%

$5,000 - $9,999.99

0.45%

0.45%

$10,000 - 24,999.99

0.60%

0.60%

$25,000-$49,999.99

0.85%

0.85%

$50,000-$99,999.99

1.00%

1.01%

$100,000 and up

1.15%

1.16%

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

Certificates of Deposit. Apply now!

Term

Interest Rate

*APY

Minimum
Deposit

Compounding
Frequency

91 Day

1.00%

1.00%

$1,000

at maturity

182 Day

1.25%

1.25%

$1,000

at maturity

1 Year

1.60%

1.61%

$300

daily

2 Year

2.00%

2.02%

$300

daily

3 Year

2.65%

2.69%

$300

daily

5 Year

3.15%

3.20%

$300

daily

Penalty may be applied for early withdrawal.

Individual Retirement Accounts (IRAs). Apply now!

Minimum to open

Interest Rate

*APY

$1,000

3.00%

3.05%

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