Hometown Advantage High-Yield Savings
Hometown Advantage Growth or Hometown Advantage Reward Checking account holders can add a High-Yield Savings Account.
Simply meet your qualifications in your Hometown Advantage checking account to automatically receive your rewards in your High-Yield Savings account.
Details
•Savings account that pays a really high rate
•1.25% APY on balances up to $85,000
•If qualifications are not met, interest will be earned at the regular savings account rate of 0.10% APY on balances up to $85,000
•Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
•Free digital banking services including:
•Free UCOnline Internet banking with UCOnline Bill Pay
•Free UCMobile banking with Mobile Check Deposit
•Free eStatements
•Free Debit Mastercard®
•$100 minimum deposit to open
•$3 service fee ONLY if qualifications are not met
Qualifications
Qualifying for your Hometown Advantage Reward or Hometown Advantage Growth Account rewards automatically qualifies you for the highest Hometown Rewards High-Yield Savings rate. Enrollments must be in place and all of the following transactions and activities must post and settle to your Growth or Rewards account during each Monthly Qualification Cycle:
•At least 12 debit card purchases
•At least 1 direct deposit or ACH transaction
•Be enrolled in and review eSatements
•Maintain Minimum balance requirement
Contact us for more information or visit any of our branches to open your Hometown Advantage High-Yield Savings account.
Hometown Advantage High-Yield Savings Disclaimer
Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases less than $1, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.
Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
Reward Information:
Depending on what Hometown Advantage checking account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:
You must have Hometown Advantage Growth Checking or Hometown Reward Checking account to have a Hometown Advantage High Yield Savings Account. When your linked Hometown Growth Checking Account or Hometown Reward Checking account qualifications are met during a monthly qualification you will earn an interest rate of 1.24% with any APY of 1.25% up to $85,000.00. The portion of the
balance over $85,000.00 will not earn interest.
If the Hometown Advantage Growth Account or Hometown Advantage Reward
Checking account fails to qualify during a monthly cycle the High Yield Savings will earn interest rate of the current Regular
Savings Account. 0.10% APY on balances up to $85,000, resulting in a range from
0.10 % APY to 1.25% APY.
If qualifications are not met in your Hometown Advantage Growth Checking or Hometown Advantage Reward Checking account there will be a $3.00 monthly service charge fee for then High Yield Savings Account. Closing this account will forfeit accrued interest.
APY = Annual Percentage Yield.
APYs accurate as of [04/15/2025].
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
$100 minimum deposit is required to open the account.
Limit of one (1) account(s) per Social Security Number.
A monthly maintenance fee of $3 will apply ONLY if qualifications are not met.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Member FDIC.
