Our Rates

Howard Bank Deposit Rates as of September 01, 2017

Click here for a printable rate sheet

Checking*

Howard Maximum Checking
Minimum Opening Deposit Balance Interest Rate Annual Percentage Yield (APY)
$100.00 $.01 - $9,999.99 0.15% 0.15%
$10,000 or more 0.25% 0.25%
Howard Relationship Checking
Minimum Opening Deposit Balance Interest Rate Annual Percentage Yield (APY)
$100.00 $.01 - $999.99 0.10% 0.10%
$1,000 - $9,999.99 0.15% 0.15%
$10,000 - $24,999.99 0.15% 0.15%
$25,000 - $49,999.99 0.15% 0.15%
$50,000 - $99,999.99 0.20% 0.20%
$100,000 or more 0.25% 0.25%
Howard Xcellent Checking (must be age 50+)
Minimum Opening Deposit Balance Interest Rate Annual Percentage Yield (APY)
$100.00 $.01-$999.99 0.10% 0.10%
$1,000 - $9,999.99 0.15% 0.15%
$10,000 - $24,999.99 0.15% 0.15%
$25,000 - $49,999.99 0.15% 0.15%
$50,000 - $99,999.99 0.20% 0.20%
$100,000 or more 0.25% 0.25%
Howard Health Savings Account (HSA)
Minimum Opening Deposit Balance Interest Rate Annual Percentage Yield (APY)
$100.00 $.01-$999.99 0.10% 0.10%
$1,000 - $9,999.99 0.15% 0.15%
$10,000 - $24,999.99 0.15% 0.15%
$25,000 - $49,999.99 0.15% 0.15%
$50,000 - $99,999.99 0.20% 0.20%
$100,000 or more 0.25% 0.25%
Community Business Checking
Minimum Opening Deposit Balance Interest Rate Annual Percentage Yield (APY)
$100.00 ALL 0.10% 0.10%
 

Savings*

Junior Savings
Minimum Opening Deposit Balance Interest Rate Annual Percentage Yield (APY)
$5.00 ALL 0.10% 0.10%
Personal Savings
Minimum Opening Deposit Balance Interest Rate Annual Percentage Yield (APY)
$25.00 ALL 0.10% 0.10%
Business Savings
Minimum Opening Deposit Balance Interest Rate Annual Percentage Yield (APY)
$25.00 ALL 0.10% 0.10%
 

Money Market*

Personal Money Market
Minimum Opening Deposit Balance Interest Rate Annual Percentage Yield (APY)
$250.00 $.01 - $999.99 0.10% 0.10%
$1,000 - $9,999.99 0.15% 0.15%
$10,000 - $24,999.99 0.25% 0.25%
$25,000 - $49,999.99 0.25% 0.25%
$50,000 - $99,999.99 0.25% 0.25%
$100,000 or more 0.35% 0.35%
Business Money Market
Minimum Opening Deposit Balance Interest Rate Annual Percentage Yield (APY)
$250.00 $.01 - $999.99 0.10% 0.10%
$1,000 - $9,999.99 0.15% 0.15%
$10,000 - $24,999.99 0.25% 0.25%
$25,000 - $49,999.99 0.25% 0.25%
$50,000 - $99,999.99 0.25% 0.25%
$100,000 or more 0.35% 0.35%
 

Certificate of Deposit (CDs)*

3 to 5 Month
Minimum Opening Deposit Balance Interest Rate Annual Percentage Yield (APY)
$500.00 ALL 0.10% 0.10%
6 to 11 Month
Minimum Opening Deposit Balance Interest Rate Annual Percentage Yield (APY)
$500.00 ALL 0.20% 0.20%
12 to 23 Month
Minimum Opening Deposit Balance Interest Rate Annual Percentage Yield (APY)
$500.00 ALL 0.35% 0.35%
24 to 35 Month
Minimum Opening Deposit Balance Interest Rate Annual Percentage Yield (APY)
$500.00 ALL 0.50% 0.50%
36 to 47 Month
Minimum Opening Deposit Balance Interest Rate Annual Percentage Yield (APY)
$500.00 ALL 0.75% 0.75%
48 to 59 Month
Minimum Opening Deposit Balance Interest Rate Annual Percentage Yield (APY)
$500.00 ALL 0.995% 1.00%
60 Month
Minimum Opening Deposit Balance Interest Rate Annual Percentage Yield (APY)
$500.00 ALL 1.49% 1.50%

*The Annual Percentage Yield (APY) for the above products are effective as of the date noted. Checking, Savings and Money Market rates are variable and are subject to change at any time without notice. Interest on these accounts is compounded daily based on collected balance. Fees may reduce the earnings on the account. CD’s are subject to early withdrawal penalties.

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