What are the current interest rates at Hometown Bank of PA?

Current rates for Hometown Bank of PA include: 12-Month CD: 0.25%, 18-Month CD: 0.30%, 24-Month CD: 0.35%, 36-Month CD: 3.04%, 48-Month CD: 0.50%, 60-Month CD: 0.60%, Savings: 0.20%

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Hometown Bank of PA

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Hometown Bank of PA Rates & Review October 2026

Q: How many branches does Hometown Bank of PA operate?

Hometown Bank of PA currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Hometown Bank of PA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hometown Bank of PA provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Hometown Bank of PA's top rates as of October 11, 2026 are 4.00% APY on its 13-Months Certificates of Deposit/IRA - 13-Month CD, 0.20% APY on savings, and 0.10% APY on checking, according to rates verified by MonitorBankRates. Other Hometown Bank of PA CD rates include 25-Months Certificates of Deposit/IRA - 25-Month at 4.00%, 6-Months Certificates of Deposit/IRA - 6-Month at 3.75%, and 36-Months Certificates of Deposit/IRA - 36-Month at 3.04%. MonitorBankRates evaluates the financial stability of Hometown Bank of PA with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.37%. Rates last updated and verified on 10/11/2026.

Hometown Bank of PA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Hometown Bank of PA? Share your experience about Hometown Bank of PA by leaving a review below, or read customer reviews before you decide to use Hometown Bank of PA.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.37%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Hometown Bank of PA

638 E Pitt St
Bedford, PA 15522

https://www.hometownbankpa.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Hometown Bank of PA CD Rates

Product	Rate	APY	Term
Certificates of Deposit/IRA - 13 month	3.93%	4.00%	13 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Certificates of Deposit/IRA - 25 month	3.93%	4.00%	25 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Certificates of Deposit/IRA - 6 month	3.72%	3.75%	6 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Certificates of Deposit/IRA - 36 month	3.00%	3.04%	36 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Certificates of Deposit/IRA - 12 month variable rate	2.25%	2.27%	12 month
Min Deposit $500 Min Balance $500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Certificates of Deposit/IRA - 60 month	0.60%	0.60%	60 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Certificates of Deposit/IRA - 48 month	0.50%	0.50%	48 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Certificates of Deposit/IRA - 30 month	0.40%	0.40%	30 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Certificates of Deposit/IRA - 24 month	0.35%	0.35%	24 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Certificates of Deposit/IRA - 18 month	0.30%	0.30%	18 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Certificates of Deposit/IRA - 12 month	0.25%	0.25%	12 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Certificates of Deposit/IRA - 7-91 days	0.15%	0.15%	7-91 days
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%

Hometown Bank of PA Savings Rates

Product	Rate	APY
Statement Savings Plus Non-Personal	0.20%	0.20%
Min Deposit $25 Min Balance $25 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Statement Savings Plus Personal	0.20%	0.20%
Min Deposit $25 Min Balance $25 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Club Accounts	0.15%	0.15%
Min Deposit $1 Min Balance $0 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
IRA Savings	0.15%	0.15%
Min Deposit $25 Min Balance $0 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Passbook Savings	0.15%	0.15%
Min Deposit $25 Min Balance $100 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Statement Savings Non-Personal	0.15%	0.15%
Min Deposit $25 Min Balance $100 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Statement Savings Personal	0.15%	0.15%
Min Deposit $25 Min Balance $100 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Health Savings Acct	0.10%	0.10%
Min Deposit $25 Min Balance $25 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%

Hometown Bank of PA Checking Rates

Product	Rate	APY	View More
Senior Checking	0.10%	0.10%
Min Deposit $25 Min Balance $25 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%

Hometown Bank of PA Home Equity & HELOC

Product	Rate	Points	APR
Fixed Home Equity Loans	-	-	5.50%
Details As low as Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Fixed Home Equity Loans	-	-	6.25%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%

Hometown Bank of PA Other Rates

Product	Rate	Points	APY/APR
MMDA Business, Personal, Non-Personal and Public Funds	2.47%	-	2.50%
Min Deposit $25 Min Balance $25 Details Balance: $25.00 to $99,999 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
MMDA Business, Personal, Non-Personal and Public Funds	2.96%	-	3.00%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 to $499,999 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
MMDA Business, Personal, Non-Personal and Public Funds	3.30%	-	3.35%
Min Deposit $25 Min Balance $500,000 Details Balance: $500,000 to $1,499,999 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
MMDA Business, Personal, Non-Personal and Public Funds	3.45%	-	3.51%
Min Deposit $25 Min Balance $1,500,000 Details Balance: $1,500,000 and above Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
NOW Non-Personal	0.10%	-	0.10%
Min Deposit $25 Min Balance $25 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
NOW Sole Proprietor	0.10%	-	0.10%
Min Deposit $25 Min Balance $25 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Hometown Bank of PA’s Texas Ratio rose from 0.32% in Q3 2023 to 10.37% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$454M	10.37%	5.0	A
March 31, 2026	$453M	11.15%	5.0	A
December 31, 2025	$438M	12.05%	5.0	A
September 30, 2025	$430M	0.45%	5.0	A+
June 30, 2025	$409M	0.49%	5.0	A+
March 31, 2025	$398M	0.51%	5.0	A+
December 31, 2024	$384M	1.31%	5.0	A+
September 30, 2024	$387M	1.22%	5.0	A+
June 30, 2024	$418M	0.29%	4.8	A+
March 31, 2024	$419M	0.30%	4.7	A
December 31, 2023	$372M	0.31%	5.0	A+
September 30, 2023	$367M	0.32%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Hometown Bank of PA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Hometown Bank of PA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Hometown Bank of PA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Hometown Bank of PA

FDIC Certificate # 58470

Address 638 E Pitt St, Bedford, PA 15522 · Bedford

Website https://www.hometownbankpa.com

Established 20070409

FDIC Insurance Date 20070409

Domestic Offices 7

Total Branches 7

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.37%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3537%

Return on Equity (ROE) 16.9000%

Non-Performing Loans (NPL) 0.84%

Total Assets $453,854,000

Total Deposits $415,136,000

Equity Capital $36,803,000

Net Income $3,035,000

Headquarters Bedford

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Hometown Bank of PA earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Frequently Asked Questions About Hometown Bank of PA

How many branches does Hometown Bank of PA operate?

Hometown Bank of PA currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Hometown Bank of PA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hometown Bank of PA provides members with tools to manage their accounts and build a solid financial history.

Does Hometown Bank of PA offer online and mobile banking?

Most modern institutions like Hometown Bank of PA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hometownbankpa.com.