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Toddler in Yellow Rain Coat

Saving for the Rainy Days

Tuck away your money now so you can always count on your rainy day funds.

Personal Savings and Money Market Accounts

Our savings and money market accounts help put the money you work for, to work for you. They’re a great way to save for someday without missing out on access to your cash today.1

  • Access your bank accounts anytime, anywhere with Online Banking and Mobile Banking2.
  • Deposit checks without a trip to the bank with Mobile Deposit. Just snap a picture with your phone, send it and you’re done2.
  • Withdraw money, deposit money and transfer money at 55,000 fee-free ATMs through AllpointTM and Freedom AllianceTM. So you’re never far from your bank, no matter how far you are from home.
  • Transfer money between your accounts automatically so your savings can build without giving it a second thought. Stay up to date and watch your savings grow month by month with paper or eStatements.

Hometown Savings Account

Open Account

American Dream Savings Account

Open Account

Hometown Money Market Account

Open Account

Account Overview Provides free overdraft protection on any linked Hometown Checking account3 Get rewarded with higher interest rates based on your banking relationship Earn higher interest for higher balances with easy access to your money including checks1
Minimum Deposit to Open4  $0 $25 $1,000 
Monthly Service Charge $0 $2  $3 
Minimum Daily Balance to Avoid Service Charge n/a $100 $1,000 
Earns Interest on All Balances5   


Account is also eligible for a reward interest rate based on the number of eligible bank services and the deposit balances on the Relationship Statement.6





More Great Options for Saving with a Purpose

Tower Savers

A great way to start saving for your child’s future.

Vacation & Holiday Clubs

Set aside money for a vacation or holiday shopping.

Certificates of Deposit

Lock in your rate for a term ranging from 90 days to 60 months.

1 During any statement cycle, you may not make more than six (6) withdrawals/transfers to another bank account of yours or to a third party by means of a preauthorized agreement, by telephone, online banking or initiated by check, draft, debit card, or similar order to a third party. This includes online bill payments and overdraft transfers. If you exceed the withdrawal limit three times in a twelve month period, the account type may be converted to a non-interest bearing account.

2 We don’t charge for these services but standard message, data, and internet service provider rates may apply so check with your carriers.

Overdraft transfer services are limited to the available balance in the linked account. Add Overdraft Protection by calling 800-711-BANK (2265) or visiting a community office near you.

4 Minimum opening deposits apply to accounts opened in-office. Online account opening minimums may differ and are quoted at the time of account opening.

5 Interest is earned on the daily collected balance, and is compounded and credited monthly to the account.

6 American Dream Reward Interest will be increased by .04%, up to a maximum rate increase of .12% added to the base rate, when additional accounts within the following product groupings are included in the Relationship:
    • Checking Account or Money Market Account
    • Certificate of Deposit or Individual Retirement Account
    • Consumer Loan (Installment, Home Equity, Personal Line of Credit, Mortgage or Time and Demand)
Multiple accounts within the same product grouping will count as only one.