My Hometown Saver

Remember that clear jug of coins so many of us kept in our bedrooms? We filled it out of habit. Just empty your pockets and forget about it. Hometown Saver makes it just as easy to set money aside -- minus the big jug!


We'll transfer your My Hometown Cash checking rewards to your free My Hometown Saver account -- where you can earn high 1.00% APY* on what you save, without day-to-day checking withdrawals cutting into your cash.

  • Links to your free My Hometown Cash checking account
  • My Hometown Cash rewards transfer to My Hometown Saver for automatic savings
  • 1.00% APY* on balances up to $25,000
  • 1.00% to 0.40% APY on balances over $25,000 depending on balance in account*
  • 0.05% APY* even if My Hometown Cash qualifications are not met
  • No minimum balance to earn interest
  • No monthly maintenance fee
  • Free online banking
  • Free e-Statements
  • Low $100 minimum deposit to open

Easy, Penalty-free Qualifications:

Meet the same simple My Hometown Cash qualifications and get a higher rate on your My Hometown Saver account. There are no additional qualifications. To earn all your My Hometown rewards, just do the following during each monthly qualification cycle:

  • Have at least 12 check card purchases post and settle
  • Be enrolled and receive e-Statements
  • Have at least 1 automatic payment (ACH) or Direct Deposit post and settle

Simple. There's not even a penalty fee for coming up short. Both your accounts are still free. Plus, you always earn at least our base interest rates. And you can return to your full rewards the very next qualification cycle.

*APY=Annual Percentage Yield. APYs accurate as of 6/1/2015. Rates may change after account is opened. Minimum to open is $100 for My Hometown Cash and $100 for My Hometown Saver. For My Hometown Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 1.50%; and (3) balances over $25,000 earn 0.15% interest rate on the portion of the balance over $25,000, resulting in 1.50% - 0.42% APY depending on the balance. If qualifications are not met on My Hometown Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle My Hometown Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised My Hometown Cash APY is based on compounding interest. Interest earned in My Hometown Cash is automatically transferred to My Hometown Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised My Hometown Cash APY. The My Hometown Saver APYs may be less than My Hometown Cash APYs. Transfers between accounts do not count as qualifying transactions. Limit two accounts per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.