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At HomeBanc, we pride ourselves on our service. When you enter one of our banking offices for the first time, you are immediately greeted by a knowledgeable, professional Personal Banker. This Personal Banker sits down with you at a desk and helps you with your banking needs. Not only that, but this Personal Banker becomes your personal banker, greeting you by name when you come into the office and available to assist you with your financial needs and goals.
Another example of our philosophy on service is our Sunset Commitment, which states: I am committed to customer service that exceeds expectations. I will strive to resolve any problems or questions immediately. If this is not possible, I will get back to you before the sun sets!
We have a unique line of checking, saving and lending products to offer you at competitive rates. Take a moment to look over our product offering by clicking on the options at the left of this screen. Below you will find the interest rates we are offering for our deposit products.
HomeBanc N.A.
Rates effective 7/01/10
CERTIFICATES OF DEPOSIT - Minimum to open $500.00 ( a penalty may be imposed for early withdrawal)
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| Term of account |
Penalty |
Days in Term |
Rate* |
APY* |
| 1 Month |
1 Month |
30 |
0.250% |
0.250% |
| 3 Month |
3 Months |
90 |
0.499% |
0.500% |
| 6 Month |
3 Months |
180 |
0.797% |
0.800% |
| 9 Month |
3 Months |
270 |
0.995% |
1.000%
|
| 12 Month |
6 Months |
360 |
1.143% |
1.150% |
| 18 Month |
6 Months |
540 |
1.341% |
1.350% |
| 24 Month |
6 Months |
720 |
1.538% |
1.550% |
| 36 Month |
6 Months |
1080 |
1.980% |
2.000% |
| 48 Month |
6 Months |
1440 |
2.176% |
2.200% |
| 60 Month |
12 Months |
1800 |
2.616% |
2.650% |
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SPECIALS
* 15 Month CD (Effective 4/07/10) - Earn 1.55% APY, 1.538% APR. Requires HomeBanc checking account with a minimum balance of $1,500. Subject to change or cancellation at any time without notice. $10,000 minimum balance; maximum $250,000. A penalty may be imposed for early withdrawal.
* Advantage CD (Effective 4/07/10) - Open a 3 year CD or IRA at 2.25% APY, 2.225% APR, and customers may choose to change the rate one time during the 3 year term. The Advantage CD rate will then adjust to the posted, non-promotional rate offered for the CD term remaining on the certificate at that time. Subject to change or cancellation at any time without notice. $10,000 minimum balance; maximum $250,000. A penalty may be imposed for early withdrawal. IRA CD may have potential tax savings. Customers should see tax advisor for details. CD requires a HomeBanc checking account with a minimum balance of $1,500.
See your personal banker for more details! Ask about our Pacesetter Club TODAY!
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*APY = Annual Percentage Yield
*APR = Annual Percentage Rate
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SAVINGS ACCOUNTS
**, #, *
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Product
|
Minimum deposit to open account |
Balance From
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To
|
Rate*
|
APY*
|
| Classic Savings |
$100.00 |
0.01 |
2,499.99 |
0.050% |
0.050% |
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2,500.00
|
4,999.99 |
0.100% |
0.100% |
| |
|
5,000.00 |
9,999.99 |
0.250% |
0.250% |
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10,000.00 |
24,999.99 |
0.349% |
0.350% |
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|
25,000.00 |
49,999.99 |
0.548% |
0.550% |
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|
50,000.00 |
99,999.99 |
0.846% |
0.850% |
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|
100,000.00 |
Over |
1.143% |
1.150% |
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| Young Savers |
$50.00 |
0.01 |
2,499.99 |
0.050% |
0.050% |
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2,500.00 |
4,999.99 |
0.100% |
0.100% |
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5,000.00 |
9,999.99 |
0.250% |
0.250% |
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10,000.00 |
24,999.99 |
0.349% |
0.350% |
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25,000.00 |
49,999.99 |
0.548% |
0.550% |
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|
50,000.00 |
99,999.99 |
0.846% |
0.850% |
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|
100,000.00 |
Over |
1.143% |
1.150% |
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| Classic Business Savings |
$100.00 |
0.01 |
2,499.99 |
0.050% |
0.050% |
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|
2,500.00 |
4,999.99 |
0.100% |
0.100% |
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5,000.00 |
9,999.99 |
0.250% |
0.250% |
| |
|
10,000.00 |
24,999.99 |
0.349% |
0.350% |
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25,000.00 |
49,999.99 |
0.548% |
0.550% |
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|
50,000.00 |
99,999.99 |
0.846% |
0.850% |
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|
100,000.00 |
Over |
1.143% |
1.150% |
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| ** = Annual percentage yield is effective July 1, 2010. |
| # = For variable rate accounts, the rate may change after the account is opened, fees could reduce the earnings on the account |
| *APY = Annual Percentage Yield |
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CHECKING ACCOUNTS**, #, *
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| Product |
Minimum |
Balance From |
To |
Rate* |
APY* |
| Prestige Interest Checking |
$100.00 |
0.01 |
2,499.99 |
0.050% |
0.050% |
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|
2,500.00 |
4,999.99 |
0.050% |
0.050% |
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|
5,000.00 |
9,999.99 |
0.100% |
0.100% |
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10,000.00 |
24,999.99 |
0.250% |
0.250% |
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25,000.00 |
49,999.99 |
0.499% |
0.500% |
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50,000.00 |
99,999.99 |
0.747% |
0.750% |
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|
100,000.00 |
Over |
0.995% |
1.000% |
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| Prestige Business Interest Checking |
$100.00 |
0.01 |
2,499.99 |
0.050% |
0.050% |
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2,500.00 |
4,999.99 |
0.050% |
0.050% |
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5,000.00 |
9,999.99 |
0.050% |
0.050% |
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10,000.00 |
24,999.99 |
0.050% |
0.050% |
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25,000.00 |
49,999.99 |
0.050% |
0.050% |
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|
50,000.00 |
99,999.99 |
0.050% |
0.050% |
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|
100,000.00 |
Over |
0.050% |
0.050% |
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| ** = Annual percentage yield is effective July 1, 2010. |
| # = For variable rate accounts, the rate may change after account is opened, fees could reduce the earnings on the account |
| *APY = Annual Percentage Yield |
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MONEY MARKET ACCTS.**, #, *
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| Product |
Minimum |
Balance From |
To |
Rate* |
APY* |
| Prestige Plus Money Market |
$100.00 |
0.01 |
2,499.99 |
0.050% |
0.050% |
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2,500.00 |
4,999.99 |
0.100% |
0.100% |
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5,000.00 |
9,999.99 |
0.250% |
0.250% |
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10,000.00 |
24,999.99 |
0.349% |
0.350% |
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25,000.00 |
49,999.99 |
0.598% |
0.600% |
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50,000.00 |
99,999.99 |
0.698% |
0.700% |
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100,000.00 |
Over |
0.995% |
1.000% |
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| Prestige Plus Business Money Market |
$100.00 |
0.01 |
2,499.99 |
0.050% |
0.050% |
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2,500.00 |
4,999.99 |
0.100% |
0.100% |
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5,000.00 |
9,999.99 |
0.250% |
0.250% |
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10,000.00 |
24,999.99 |
0.349% |
0.350% |
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25,000.00 |
49,999.99 |
0.598% |
0.600% |
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50,000.00 |
99,999.99 |
0.698% |
0.700% |
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|
100,000.00 |
Over |
0.995% |
1.000% |
| ** = Annual percentage yield is effective July 1, 2010. |
| # = For variable rate accounts, the rate may change after account is opened, fees could reduce the earnings on the account |
| *APY = Annual Percentage Yield |
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