Savings, Time Deposits (TDs) and Money Market Accounts 

Savings Accounts

  Time Deposits (TDs)  

  Money Market Accounts  

Savings Accounts

Hearthside Bank offers a variety of savings accounts. If you are looking to start an account for a child, save for retirement, or anything in between, Hearthside Bank has a savings account for you..

Statement Savings

Hearthside Bank's Statement Savings account provides a quarterly statement of account activity for easy reference. Our account earns competitive rates.  Must meet minimum balance requirement of $100, or having a combined total relationship with loans and/or deposits over $5,000 by the beginning of the third monthly cycle of account opening to avoid the first fee, and then maintain a minimum of $100, or having a combined total relationship with loans and/or deposits over $5,000 to avoid a monthly fee.  Fees could reduce earnings.


Time Deposits (TDs)

A higher rate of interest can be earned on Hearthside Bank time deposit (TD) accounts. This is an excellent tool for managing your funds when you are able to set money aside for a specified period of time.  We offer a variety and some with a minimum investment of $2500.

Our time deposit accounts are set up to renew automatically at the current rate unless the account holder decides to redeem or transfer. Standard terms range from 91 days to 5 years. In the event of early withdrawals, an interest penalty may be assessed.

Easy Access Account

This account gives you the benefit of a time deposit rate with the access feature of a savings account. After an initial deposit of $2,500 (minimum opening balance) you can deposit up to $100,000 in your account at any time. You can also withdraw from your account with no penalty. The account will renew automatically at maturity at the current rate of interest.

Educational TD Account

Hearthside Bank can help you with your child's college education with our Education TD Account. You can open an Education Account with a minimum opening deposit of $500, and then add to it at any time with deposits of $50 or more. The Education TD Account is designed as a 5 year variable rate time deposit. However, if your child is ready to enter college in less than the five year term, funds may be withdrawn without a penalty at the time needed. Your child's education is of the utmost plan and prepare for it now.

Money Market Account

Hearthside Bank offers competitive Money Market account to our customers. Money Market accounts allow you to save money while still having immediate access to your funds. The ability to write checks and earn interest makes this a sensible choice for customers.

Presidential Money Market Checking 

If you maintain a balance of $5,000 you will avoid a monthly maintenance fee: Hearthside Bank's Presidential Money Market Checking Account features:

  • Interest Compounded Monthly
  • Unlimited Check Writing
  • Direct Deposits
  • Checks
  • FREE ATM/Debit Card
  • FREE Online banking with Bill Pay
  • FREE Telephone banking
  • FREE e-Statements

Use our calculators to see how much can earn and watch your investments grow.

Get more information about savings accounts, time deposits, money market accounts or rates with our Account Request Form.

Visit a Hearthside Bank location near you in Kentucky or Tennessee and let one of our Personal Bankers help you select the right Savings, TD, or Money Market for you. Hearthside Bank is your hometown bank that understands the needs of our communities. Wherever you are, wherever you go, Hearthside Bank is Always Within Reach®.

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