Regular Savings

Your Regular Savings account, or "Share Savings", establishes you as a member at Hometown Credit Union and gives you a share of ownership. As long as you maintain the $25 minimum balance, you are a member for life. Even if you move or change jobs, you are entitled to all the benefits of Hometown membership!

Already dreaming of your next vacation? It's never too early to start saving. Check out our Vacation Club accounts.

Opening an account

Your membership at Hometown begins when you open a Regular Savings account with a deposit of $25 or more. This is your primary account at Hometown. Once this account is open, you have immediate access to all the benefits of membership. You may also open additional savings accounts with no deposit and no minimum balance.

Account features

  • Your balance earns interest (see rates)
  • Open primary savings account with $25 deposit.
  • Minimum balance of $25 in primary savings.
  • Additional savings accounts have no minimum balance, and can be opened with no deposit.
  • Direct deposit into (but not out of) any savings account.
  • No monthly fee if average monthly balance of combined checking and savings is $100 or more. Otherwise, a $3 fee is charged monthly.

Online/Automated features

  • Online and phone access to your accounts (see Online Banking).
    Note: Maximum of six transfers per month via online, phone, and overdraft.
  • ATM access to your savings account (see ATM/Debit Cards).
    Must have a checking account with ATM/debit card. No minimum balance required in checking account.
  • Direct deposit your paycheck into your savings.
  • Automatic distribution of your payroll according to your specification.