Certificate of Deposit

We’ve Got A Certificate of Deposit That’s Right For You!

Opening a Home City Federal Savings Bank Certificate of Deposit offers you a guaranteed yield, a wide range of terms, and the safety of FDIC insurance. When you lock in your rate, you start earning interest from the day you open the account until the day it matures. You know exactly what return you will receive and when you will receive it.

Your funds are safe because Home City Federal Savings Bank CDs are backed by the Federal Deposit Insurance Corporation for up to $250,000 per individual.

We offer Certificates of Deposit in a broad range of terms, each designed with a particular goal in mind. And, for as little as $500, you can open your own CD. To help you decide which CD will best meet your needs, take our One-Minute Certificate of Deposit Test. You may request further details by calling Cindy Hofbauer or Julie Mills at (937) 390-0470 or stopping by one of our convenient locations.

  • Short-Term CDs. Short term savings certificates, usually up to 6 months, offer you the fastest, readiest access to your money.
  • Medium-Term CDs. Our 12 to 30 month medium-term CDs offer you higher yields than shorter term CDs.
  • Long-Term CDs. If you have a long-term outlook, our CDs with maturities of 3 years or more reward you with the highest yields we have to offer.

Interested in a higher rate of return?

Then Home City Federal offers our CD Loyalty Program.  Simply have a combined relationship of $50,000 in a Home City Federal CD, Money Market Account, Prime Statement Savings Account or Checking Account with direct deposit. 

CD LOYALTY PROGRAM RATES**

TermAPY*Interest Rate
06 Months0.85%0.85%
12 Months1.00%1.00%
18 Months1.25%1.24%
24 Months1.25%1.24%
30 Months1.30%1.29%
36 Months1.50%1.49%
48 Months2.00%1.98%
60 Months2.10%2.08%
84 Months2.25%2.23%
120 Months2.40%2.37%
*Annual Percentage Yield

**To qualify for the CD Loyalty Program Rates a customer must have a combined relationship of $50,000 in a CD/Money Market Account/Prime Statement Savings Account/Checking Account with direct deposit.

Rates effective May 18, 2017 and subject to change without notice. A penalty may be imposed for withdrawals before maturity. You must deposit $500 to open this type of account.

Loyalty Program CDs will renew at standard CD rates.

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Certificate of Deposit Rates

TermAPY*Interest Rate
06 Months0.05%0.05%
12 Months0.18%0.18%
18 Months0.20%0.20%
24 Months0.37%0.37%
30 Months0.40%0.40%
36 Months0.60%0.60%
48 Months1.00%1.00%
60 Months1.30%1.29%
84 Months1.55%1.54%
120 Months1.75%1.73%
Rates effective May 18, 2017 and subject to change without notice.

* Annual Percentage Yield

A penalty may be imposed for withdrawals before maturity. You must deposit $500 to open this type of account.