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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 4/23/14

 

Certificates of Deposit - Minimum to open $500.00 (a penalty may be imposed for early withdrawal)

Term of account Penalty Days in Term Rate* APY**
3 Month 3 Months 90 0.15%   0.15%
6 Month 3 Months 180 0.20%   0.20%
9 Month 3 Months 270 0.40%
  0.40%
12 Month 6 Months 360 0.45%   0.45%
18 Month 6 Months 540 0.50%   0.50%
24 Month 6 Months 720 0.65%   0.65%
36 Month 6 Months 1080 0.75%   0.75%
48 Month 6 Months 1440 0.90%   0.90%
60 Month 12 Months 1800 1.00%  1.00%

 

Specials

3 Month 1.50% APY CD (Effective 1/23/14) - Open a 3 month CD at 1.500% APY,1.489% Rate. Minimum opening balance of $5,000; maximum balance of $75,000. One CD offer per household; limit of $75,000 per household. New money to HomeBanc. Florida deposits only; no institutional deposits. Offer not available to customers who have participated in CD promotions and closed their HomeBanc accounts within the previous 24 months. A penalty may be imposed for early withdrawal. Rate and offer subject to change or cancellation at any time without notice. 

11 Month Advantage CD (Effective 9/07/11) - Open an 11 month CD and earn 0.70% APY, 0.70% Rate, and customers may choose to change the rate one time during the 11 month term.  The rate may be adjusted based on posted, non-promotional rate offered for the CD term remaining on the certificate at that time.  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 $100,000.  A penalty may be imposed for early withdrawal. IRA CD may have potential tax savings.  Customers should see tax advisor for details.  

29 Month Advantage CD (Effective 12/04/13) - Open a 29 month CD or IRA at 0.90% APY, 0.90% Rate, and customers may choose to change the rate one time during the 29 month term. The Advantage CD rate will then adjust to the posted, non-promotional rate offered for the CD term remaining ont he certificate at that time.  Subject to change or cancellation at any time without notice.  $10,000 minimum balance; maximum $100,000. 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.

44 Month Advantage CD (Effective 12/04/13) - Open a 44 month CD or IRA at 1.25% APY, 1.24% Rate, and customers may choose to change the rate one time during the 44 month 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.

54 Month Advantage CD (Effective 2/19/14) - Open a 54 month CD or IRA at 1.50% APY, 1.49% Rate, and customers may choose to change the rate one time during the 54 month 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!

 

*Rate = Interest Rate
**APY  = Annual Percentage Yield

Savings Accounts

         

  

Product

Minimum deposit to open account

 

Balance From

 

 To

 

Rate*

 

APY**

Classic Savings $100.00 0.01 2,499.99 0.05% 0.05%
   
2,500.00
4,999.99 0.10% 0.10%
    5,000.00 9,999.99 0.20% 0.20%
    10,000.00 24,999.99 0.25% 0.25%
    25,000.00 49,999.99 0.30% 0.30%
    50,000.00 99,999.99 0.35% 0.35%
    100,000.00 Over 0.50% 0.50%
           
Young Savers $50.00 0.01 2,499.99 0.05% 0.05%
    2,500.00 4,999.99 0.10% 0.10%
    5,000.00 9,999.99 0.20% 0.20%
    10,000.00 24,999.99 0.25% 0.25%
    25,000.00 49,999.99 0.30% 0.30%
    50,000.00 99,999.99 0.35% 0.35%
    100,000.00 Over 0.50% 0.50%
           
Classic Business Savings $100.00 0.01 2,499.99 0.05% 0.05%
    2,500.00 4,999.99 0.10% 0.10%
    5,000.00 9,999.99 0.20% 0.20%
    10,000.00 24,999.99 0.25% 0.25%
    25,000.00 49,999.99 0.30% 0.30%
    50,000.00 99,999.99 0.35% 0.35%
    100,000.00 Over 0.50% 0.50%
 
For variable rate accounts, the rate may change after the account is opened, fees could reduce the earnings on the account
*Rate = Interest Rate
**APY = Annual Percentage Yield. Annual percentage yield is effective April 23, 2014.   
           

Checking Accounts

         
Product Minimum Balance From To Rate* APY**
           
Prestige Interest Checking $100.00 0.01 2,499.99 0.05% 0.05%
    2,500.00 4,999.99 0.05% 0.05%
    5,000.00 9,999.99 0.10% 0.10%
    10,000.00 24,999.99 0.15% 0.15%
    25,000.00 49,999.99 0.20% 0.20%
    50,000.00 99,999.99 0.25% 0.25%
    100,000.00 Over 0.30% 0.30%
           
The Pacesetters Club Checking $100.00 0.01 2,499.99 0.05% 0.05%
    2,500.00 4,999.99 0.05% 0.05%
    5,000.00 9,999.99 0.10% 0.10%
    10,000.00 24,999.99 0.15% 0.15%
    25,000.00 49,999.99 0.20% 0.20%
    50,000.00 99,999.99 0.25% 0.25%
    100,000.00 Over 0.30% 0.30%
           
Prestige Business Interest Checking $100.00 0.01 2,499.99 0.05% 0.05%
    2,500.00 4,999.99 0.05% 0.05%
    5,000.00 9,999.99 0.05% 0.05%
    10,000.00 24,999.99 0.05% 0.05%
    25,000.00 49,999.99 0.05% 0.05%
    50,000.00 99,999.99 0.05% 0.05%
    100,000.00 Over 0.05% 0.05%
 
For variable rate accounts, the rate may change after account is opened, fees could reduce the earnings on the account
*Rate = Interest Rate
**APY = Annual Percentage Yield. Annual percentage yield is effective April 23, 2014.


           
Money Market Accounts          
Product Minimum Balance From To Rate* APY**
Elite Money Market*** $10,000.00 0.01 250,000.00 0.60% 0.60%
    250,000.01 Over 0.35% 0.35%
           
Diamond Money Market**** $10,000.00 0.01 2,499.99 0.60% 0.60%
    2,500.00 4,999.99 0.60% 0.60%
    5,000.00 9,999.99 0.60% 0.60%
    10,000.00 24,999.99 0.60% 0.60%
    25,000.00 49,999.99 0.60% 0.60%
    50,000.00 99,999.99 0.60% 0.60%
    100,000.00 249,999.99 0.60% 0.60%
    250,000.00 499,999.99 0.60% 0.60%
    500,000.00 999,999.99 0.60% 0.60%
    1,000,000.00 Over 0.60% 0.60%
           
Prestige Plus Money Market $100.00 0.01 2,499.99 0.05% 0.05%
    2,500.00 4,999.99 0.10% 0.10%
    5,000.00 9,999.99 0.15% 0.15%
    10,000.00 24,999.99 0.20% 0.20%
    25,000.00 49,999.99 0.30% 0.30%
    50,000.00 99,999.99 0.40% 0.40%
    100,000.00 Over 0.50% 0.50%

 

           
Prestige Plus Business Money Market $100.00 0.01 2,499.99 0.05% 0.05%
    2,500.00 4,999.99 0.10% 0.10%
    5,000.00 9,999.99 0.15% 0.15%
    10,000.00 24,999.99 0.20% 0.20%
    25,000.00 49,999.99 0.30% 0.30%
    50,000.00 99,999.99 0.40% 0.40%
    100,000.00 Over 0.50% 0.50%
 
For variable rate accounts, the rate may change after account is opened, fees could reduce the earnings on the account

*Rate = Interest Rate
**APY = Annual Percentage Yield. Annual percentage yield is effective April 23, 2014.
***If the daily balance is less than $250,000.01, the interest rate paid on that portion of the balance will be 0.60%.  The annual percentage yield for this tier will be 0.60%.  If the daily balance is more than $250,000.00, but less than $1,000,000.00, the interest rate paid on that portion of the balance will be 0.35%.  The annual percentage yield for this tier will range from 0.60% to 0.35%.  Elite Money Market requires a HomeBanc checking account with a minimum opening balance of $1,500.00.
****The Diamond Money Market Account earns 0.60% annual percentage yield, 0.60% interest rate, on all tiers; interest rate subject to change at any time. Fees may reduce earnings. All deposits into Diamond Money Market Account must be new money to HomeBanc. Offer is available to one consumer account per Florida residence. Requires a HomeBanc checking account with a minimum opening balance of $1,500.00.