Money Market Accounts

Tiered interest with flexible access to your money.

Money Market Accounts combine the earning power of tiered interest rates with the flexibility to access your funds when you need them.

Whether you’re an individual saver or a business managing liquidity, Home State Bank offers money market options designed to fit a wide range of balances, access needs, and financial goals—so there’s a solution for everyone.

Personal Money Market Account

Earn higher interest rates with tiered, variable rates that increase with your balance - without locking your money away.

Preferred Money Market Account

Earn premium, tiered interest rates while keeping your funds accessible - ideal for customers who maintain larger balances.

Commercial Money Market Account

Designed for businesses that want liquidity with competitive, tiered earnings and clear account protections.

Commercial Preferred Money Market Account

Enjoy more rewarding growth: as your balance rises, so does your interest rate - the more you save, the more you earn.

$1,000 minimum opening deposit and daily balance
$10 monthly fee if minimum balance is not maintained
Six withdrawals per statement cycle; $2.50 fee per withdrawal over 6
Interest compounded and credited monthly
Monthly statements; direct deposit available
Free ATM/debit card; free online banking; e‑statements available

$25,000 minimum opening deposit and daily balance
$15 monthly fee if not maintained
Six withdrawals per statement cycle; $2.50 fee for each withdrawal over 6
Interest compounded and credited monthly
Monthly statements; direct deposit available
Free ATM/debit card; free online banking; e‑statements

$1,500 minimum opening deposit and daily balance
$10 monthly fee if balance falls below minimum of $1,500
Tiered, variable interest rates that adjust as your balance grows
Up to 6 withdrawals per month; $6.27 fee per withdrawal over 6
$15.25 monthly dormancy fee after one year of no activity
Rates may change without notice

$25,000 minimum opening deposit and daily balance
$15 monthly fee if balance falls below $25,000
Tiered, variable interest rates that adjust as your balance grows
Up to 6 withdrawals per month; $6.27 fee per withdrawal over 6
$15.25 monthly dormancy fee after one year of no activity
Rates may change without notice