Town & Country Bank savings, CD and money market rates
Town & Country Bank's Hometown Savings offers 0.25% APY. That is 0.13 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #1796 of 3150 tracked savings rates by advertised APY. For a $10,000 balance it would rank #1582.
Estimate your earnings·What Town & Country Bank actually pays
Town & Country Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 0.25% · Hometown Savings |
| Minimum to open | $50 · Hometown Savings |
| Against the national average | 0.13 percentage points below the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.20% · 18 months · 18 Month Opportunity CD Special · needs a linked account at the bank |
| Minimum to open | $2,500 · 18 months CD |
| Money market | |
| Top money market APY | Up to 1.25% · Money Market Savings · needs at least $100,000 |
| Minimum to open | $25 · Money Market Savings |
| Against the national average | 0.62 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 1434 · Ravenna, NE |
|---|---|
| Website | www.tcbank.bank |
| Branches | 4 branches in NE |
| Availability | Available in NE |
Town & Country Bank savings, CD and money market rates
Personal
How the rate applies
How the rate applies
IRA
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Town & Country Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 1 months | 1.00% | $50,000 | 1 Month CD |
| 3 months | Up to2.00%Needs at least $50,000 | $500 | 3 Month CD |
| 6 months | Up to2.50%Needs at least $50,000 | $500 | 6 Month CD |
| 9 months | 1.90% | $5,000 | Flex 9 Month CD |
| 12 months | Up to2.50%Needs at least $50,000 | $500 | 1 Year CD |
| 18 months | 4.20% | $2,500 | 18 Month Opportunity CD Special |
| 24 months | Up to2.50%Needs at least $50,000 | $500 | 2 Year CD |
| 36 months | Up to2.50%Needs at least $50,000 | $500 | 3 Year CD |
| 48 months | Up to2.50%Needs at least $50,000 | $500 | 4 Year CD |
| 60 months | Up to2.50%Needs at least $50,000 | $500 | 5 Year CD |
Interactive Tool
Calculate Savings for Town & Country Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$202.00(1.4%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,202.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Town & Country Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Town & Country Bank paid a higher average rate on savings and money market deposits than 29% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Town & Country Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Health Savings | 0.60% | $25 | $0 | None | not stated | not stated | Tiered | |
| Hometown Savings | 0.25% | $50 | $0 | None | not stated | not stated | One rate | |
| Fine print: A $1.00 charge applies to each withdrawal after the third, whatever the balance. The service charge is also waived if the primary owner is under 23 or is a non-profit organization. | ||||||||
| Money Market Savings | Up to 1.25% | $25 | $0 | None | not stated | not stated | Tiered | |
| Fine print: A service charge applies unless the balance stays at $2,500 or averages $5,000 in a statement cycle. The bank does not publish the charge. Up to six withdrawals per cycle carry no penalty. | ||||||||
| IRA | ||||||||
| Variable Rate IRA | 2.40% | $25 | $0 | None | not stated | not stated | One rate | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 1 Month CD | 1 months | 1.00% | $50,000 | not stated | not stated |
| 3 Month CD | 3 months | Up to 2.00% | $500 | not stated | not stated |
| 6 Month CD | 6 months | Up to 2.50% | $500 | not stated | not stated |
| Flex 9 Month CD | 9 months | 1.90% | $5,000 | not stated | not stated |
| Fine print: Deposits can be added throughout the nine month term. Three withdrawals are allowed during the term without a penalty. At maturity the certificate can be redeemed or renewed for another nine month term at a new rate. | |||||
| 1 Year CD | 12 months | Up to 2.50% | $500 | not stated | not stated |
| 18 Month Opportunity CD Special | 18 months | 4.20% | $2,500 | not stated | not stated |
| Fine print: Requires a checking account at the bank. The rate can be raised once during the term, to the rate of an advertised CD special no longer than the term left on this CD. | |||||
| 2 Year CD | 24 months | Up to 2.50% | $500 | not stated | not stated |
| 3 Year CD | 36 months | Up to 2.50% | $500 | not stated | not stated |
| 4 Year CD | 48 months | Up to 2.50% | $500 | not stated | not stated |
| 5 Year CD | 60 months | Up to 2.50% | $500 | not stated | not stated |
Opening and using the account
| Availability | Available in NE |
|---|---|
| Footprint | 4 branches in NE |
| Eligibility | not stated |
How Town & Country Bank behaves over time
Every observation of the advertised Hometown Savings rate in the last 12 months was 0.25% (observed through Nov 2, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Oct 29, 202618 Month Opportunity CD SpecialRaise:4.10%to4.20%
- Obs. Sep 23, 202618 Month Opportunity CD SpecialRaise:4.00%to4.10%
- Obs. Sep 9, 202618 Month Opportunity CD SpecialRaise:3.95%to4.00%
- Hometown Savings
- The same as 30 days ago.
- 18 months CD
- Up 0.10 percentage points from 7 days ago.
$10,000 at the 0.25% APY Town & Country Bank advertises on Hometown Savings grows to $10,025 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,664 does today. See how the federal funds rate shapes savings rates.
Town & Country Bank CD rates over time
Who is Town & Country Bank?
| Headquarters | Ravenna, NE |
|---|---|
| Founded | 1932 |
| Scale | $229M assets · $194M deposits, $156M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 1434 |
| Charter state | Nebraska · one of 139 insured banks chartered there (Q2 2026, FDIC) |
| Size | 2,807th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 30% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Town & Country Bank pays on deposits above.
Common questions about Town & Country Bank
Is Town & Country Bank FDIC insured?
Yes. Town & Country Bank is FDIC insured under certificate 1434, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Town & Country Bank?
Town & Country Bank requires a minimum deposit of $50 to open its Hometown Savings account, as observed on Nov 2, 2026. Check the bank's current terms before you open an account.
Does Town & Country Bank have branches?
Yes. Town & Country Bank operates 4 branches according to FDIC branch records, in addition to its website and mobile apps.
Town & Country Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Town & Country Bank | 0.25% | 0.91% | $50 | 4 branches in NE |
| Adrian Bank | 0.25% | 1.02% | $100 | 3 branches in MO |
| Alliance Community Bank | 0.25% | 0.56% | $100 | 6 branches in IL |
| Anderson Brothers Bank | 0.25% | 2.57% | $50 | 27 branches in SC |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Town & Country Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Nebraska, nearest to Town & Country Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Nebraska, CD rates in Nebraska, money market rates in Nebraska, and banks in Nebraska.