Personal Investments

Put your dollars to work.

Explore our Individual Retirement Account options, thoughtfully designed to help your wealth grow steadily over time.

	IRA Quarterly	IRA Fixed
Minimum Opening Deposit	$100	$100 for 60-month term, $1,000 for 12 or 24-month term, $2,500 for 30-month term
Minimum Balance Needed to Obtain Annual Percentage Yield (APY)	N/A	N/A
Minimum Balance Needed to Avoid Fees	A monthly service charge fee of $3 will be imposed if the balance in the account falls below $100 on any day of the month	$100 for 60-month term, $1,000 for 12 or 24-month term, $2,500 for 30-month term
Visa Debit Card with qualified checking account
Rate Information	Interest rate and APY may change	Account will be paid the disclosed interest rate until first maturity
Frequency of Rate Changes	Quarterly	Fixed interest rate for applicable terms
Determination of Rate	Account interest rate vary at HBM’s discretion	Interest rate determined at account opening and account maturity*
Compounding and Crediting Frequency	Interest will be compounded every day. Interest will be credited to your account every quarter.	N/A
Effect of Closing An Account	If you close your account before interest is credited, you will not receive the accrued interest.	If you close your account before interest is credited, you will not receive the accrued interest.
Early Withdrawal Penalties	A penalty may be imposed for withdrawals before maturity. The fee we may impose will equal six months interest on the amount withdrawn subject to penalty.	A penalty may be imposed for withdrawals before maturity. The fee we may impose will equal six months interest on the amount withdrawn subject to penalty.
Daily Balance Computation Method	We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.	We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of Interest on Non-Cash Deposits	Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).	Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
"Common Features" fee chart applies.

Accounts closed before the interest is credited will not receive the accrued interest, a penalty of six (6) months interest may be imposed for premature withdrawals, account interest is calculated using the daily balance method (daily periodic rate to the daily principal in the account), interest accrues business day of reception of credit for noncash item deposits (items such as checks)

Monthly fee on IRA Quarterly account is specific to IRA savings account

Current Rates

Individual Retirement Accounts (IRA)

Rates Available Through 6/30/2026

Product Type	Interest Rate	Annual Percentage Yield (APY)	Minimum Balance to Obtain APY
12 Months	0.50%	0.50%	$1,000
24 Months	0.50%	0.50%	$1,000
30 Months	0.50%	0.50%	$2,500
18 Months Variable	0.17%	0.17%	$100
5 Years Fixed	1.00%	1.01%	$100

A penalty may be imposed for withdrawals made before maturity.
Member of the Federal Deposit Insurance Corporation
Retirement Accounts are separately insured from any other deposits you may have at the same institution. All deposits classified as retirement accounts are added together, and that total is separately insured up to $250,000.00