Personal Savings & Money Market

Hands On Means Helping You Get in the Habit of Saving Money.

At Howard Bank we’re convinced that saving money at any age and every stage of life is one of those subjects that is non-negotiable. Everyone needs to do it. We’d like to help you. Whatever you’re saving for, a Howard Bank savings account, money market account or CD (Time Deposit) can help. All are FDIC insured and offer competitive interest rates. So saving money is easy and safe.

See what our savings products have to offer:

Personal Savings

Check out our Rates!

An affordable savings account that offers a competitive rate of interest. This account is for customers who are starting a savings program or building funds for a major purchase or other investment.

  • Convenient access to your funds at the branch, ATM or Online Banking
  • Convenient link to checking to cover unexpected overdrafts
  • Balance can be used to avoid a monthly checking fee
  • Interest is compounded daily and paid monthly
  • Available as an IRA
  • Maintain a minimum balance of $200. Otherwise a $5.00 monthly service charge is applied.
  • 90 day initial grace period to build up to minimum balance requirement
  • Minimum opening deposit: $25

Junior Savings

A great way to start the savings habit early.

  • Completely free account for savers under 21
  • No minimum balance requirement
  • No monthly service charge
  • Interest is compounded daily and paid monthly
  • Minimum opening deposit: $5.00

 Money Market

Easy access to savings and tiered interest rates so the more you save, the more you earn.

  • Interest is tiered, with higher balances earning higher rates
  • Convenient access to your funds at the branch, ATM or Online Banking or by writing a check (Money market accounts are limited to six transfers per statement period, with a maximum of six withdrawals by check, draft, POS or similar order. Fees may apply if these limits are exceeded.)
  • Convenient link to checking to cover unexpected overdrafts
  • Balance can be used to avoid a monthly checking fee
  • Interest is compounded daily and paid monthly
  • 90 day initial grace period to build up to minimum balance requirement
  • Maintain a minimum balance of $1,000.  Otherwise a $10.00 monthly service charge is applied.
  • Minimum opening deposit: $250

 

 

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