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Manage
Your Money with Checking Accounts and Packages.
We Have Great Wasy To Help You Save! |
Checking
Plans and Accounts
Home
Town Star Banking
| .Home
Town Starlight Banking |
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.A
full package of rewards and services for individuals
who keep $5,000 or more in deposits or $15,000 or more
in loan balances with us. See the comparison
chart. |
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NEW!
Free Checking PLUS Interest |
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the best free checking account around! Not only will you earn
interest on every penny you have in your checking account, that
interest is tiered to reward you on days when your balances
are higher during the month.We think you’ll find our interest
rates a pleasant surprise compared to others’ interest
checking, even compared to others’ savings rates. Please
note that you can choose to fund your account with direct deposit
or arrange for a monthly electronic payment through the Automated
Clearing House (ACH) and enjoy a host of electronic services
from Billpay to Online Banking free. |
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| Acorn
& Oak Banking |
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Designed
to provide an array of banking privileges to those who keep $1,500
or more in deposits or have $5,000 or more in loans with us. Acorn
& Oak banking is also available without balance requirement
to young adults (ages 18-22) and to seniors (age 60 and better).
HomeTown
Bank Free Checking is bundled up with benefits, too. A special note
here. You can choose free Online Banking and Billpay with Free Checking.
Every month you actually use these features, they stay free. If
there is a month when you don’t use them, we pass along a
fee. We pay for these services and we don’t believe in wasting
money. Nor do we believe in passing along the cost to our customer
group as a whole. By all means, sign up for free Online and Billpay
if you will use them, but don’t if you won’t. We don’t
think you’ll like paying don’t if you won’t. We
don’t think you’ll like paying for something you don’t
use any more than we would.
| Savings
Plans and Accounts |
| Acorn
and Oak Savings (2) |
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| This
account provides savings service with a surprisingly low $100
minimum balance to avoid a monthly fee. Customers under age
18 or over age 60 pay no monthly service charge regardless
of balance. |
| Our
Money Market Account offers great, tiered interest rates and
access at the bank, by check, or at the ATM with no monthly
fee when you maintain a $2,500 average collected balance.
Otherwise $10. |
| Reqular
Certificates of Deposit
(4) |
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We
offer competitive interest on certificates of deposit with maturities
from 7 days to 5 years. Minimum deposit for these CDs is just $500.
Same
expenses pop up every year? Plan for money when you need it. This
annually maturing variable rate CD allows customers to add money
to the CD every month with an automatic transfer or transfers from
any HomeTown Bank checking account. Minimum transfer amount is just
$50.
Paying
premium rates, our callable CDs are available with 1- and 3-year
maturities. If the bank exercises its right to call (within the
first 90 days for the 1-year maturity and within the fi rst 365
days for the 3-year maturity), you may choose to reinvest your money
in any HomeTown Bank account, leave the funds at the floor rate
guaranteed when you opened your Call from Home CD, or withdraw your
money without interest penalty. Minimum deposit is $5,000.
HomeTown Bank offers both IRA CDs and IRA Savings
accounts for Traditional, Roth, and Rollover IRA plans. Now is the
time to take action to save for your retirement years! Open your
account with as little as $100 in eligible deposits.
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Transaction
Limitations: Federal banking regulations limit you to six pre-authorized
or telephone funds transfers to your other accounts or to third
parties during any calendar month. Excess transaction fees will
apply. If you routinely exceed these limitations, the bank may
close the account or convert it to a checking account.
Transaction Limitations;
Federal Banking Regulations limit you to six pre-authorized
or telephone funds transfers to your other accounts or third-party
transactions per statement period; no more than three can be
by check or draft. Excess transaction fees will apply. If you
routinely exceed these withdrawal limitations, the bank may
close the account.
A one-time (annually) withdrawal of up to $25,000 from a single
HomeTown Bank CD can be made without interest penalty provided
funds are needed for a medical emergency (doctor’s note
required) and deposits have been in the bank for more than 7
days. |
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| 4. |
| Whether you are borrowing for a special purchase,
establishing a line of credit for current and future borrowing
needs, or looking for credit to smooth out gaps in current needs
and future income, HomeTown Bank has a variety of smart, flexible
borrowing plans to put to work for you..
We pride ourselves on our competitive rates, flexible plans
and fast, simple solutions to borrowing needs. We’re
here to find a way for you to take advantage of special opportunities
and to make any debt you take on manageable.
There are also some special deposit benefits available to
HomeTown Bank borrowers. That’s because your loan or
line of credit balances can help you qualify for three of
our premier personal checking plans with no monthly fees:
Hometown Star Banking, HomeTown Starlight Banking and Acorn
& Oak Banking. And our special business relationship package,
Star Business Banking, counts either business loan outstanding
balances or personal consumer loan or line balances to qualify
for very rewarding checking plans with no monthly fees.
HomeTown Bank offers: |
| Home
Equity Lines and Loans |
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Your home’s equity is very often the
least costly, most easily arranged and often tax-advantaged1 way
for you to borrow. At HomeTown Bank, customers use home equity
loans with fixed payment plans and terms and home equity lines,
with their variable rates and flexible terms to finance home improvement,
education, and a host of larger, important needs.
Our plans include interest-only options, the ability to fix
a portion of the line at an attractive rate, and interest savings
for automatic payment of your loan from a Hometown Bank checking
plan. If you are a homeowner or are about to become one, home
equity lines or loans can be the best way to borrow.
| Personal
Installment Loans |
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Both fixed and variable rate plans can help you
make a major or smaller purchase or simplify your borrowing for
multiple needs. We finance vehicles, boats, tuition, and other major
purchases with great rates and terms. Best of all, our borrowing
process is simple and fast. Loan decisions happen right here and
right now.
It is a matter of particular pride and
a driving principle in our founding that we will bring the
best mortgage plans we can find nationwide to help people
right here in the Valley own their homes and move up to their
dream homes. So we think of ourselves as your mortgage partner.
At HomeTown Bank, we aren’t limited to mortgage loans
we want to book for our own portfolio. Like an independent
insurance agent, we study mortgage plans from all over the
nation so that we can find a great and comfortable fit for
folks who want to become homeowners right here. We have special
programs for first time home buyers that not only result in
a great first mortgage plan, but also an education in the
options and choices to help you find the best way to borrow
for this important purchase.
We also have programs for refinance, second homes and investment
property purchases.
Whenever possible, we will team your first mortgage with
a home equity line of credit to help you take care of the
expenses of moving into a new home. We will arrange everything
so that your payments are manageable. We think of your home
as not only a great resource for borrowing, but also a great
way to “save” by building value as you enjoy
your home. We’re excited about showing you what we
can do to help you with home loans – whether it’s
your first home, your most recent home, or a second home.
Come in and let us show you the Hometown difference.
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