Personal Accounts

Personal Banking – A Better Way.

Selecting a checking account that fits your personal and financial needs is important. Just like the needs in your life, your needs for checking vary. That's why we have a checking account appropriate for every stage of your life. The common thread is the ability for you to easily manage your money.



Premium Checking

  • Earn interest on your checking account's balance
  • Minimum of $100.00 required to open
  • No minimum balance requirement
  • No monthly service charge
  • Free unlimited ATM and debit card transactions
  • 1st order of Home Federal's basic printed checks free
  • Imaged checks provided in monthly statement
  • Free online banking
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Smart Checking

  • Earn .10 for each completed signature debit card transaction
  • Minimum of $100.00 required to open
  • Non- interest bearing
  • No minimum balance requirement
  • No monthly service charge
  • Free unlimited ATM and debit card transactions
  • 1st order of Home Federal's basic printed checks free
  • Imaged checks provided in monthly statement
  • Direct deposit required
  • Free online banking
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Smart Rewards Checking

  • **Earn Bonus Interest Rate of 4.00% on up to $25,000.00 of your checking account's balance plus foreign ATM fee refund of up to $10.00 if monthly requirements are met
  • **Minimum balance requirement of $250.00
  • **Must have direct deposit of at least $100.00
  • **Must receive imaged checks in a monthly E-Statement
  • **Must complete at least 12 signature debit card transactions
  • Minimum of $250.00 required to open
  • No monthly service charge
  • Free unlimited ATM and debit card transactions
  • 1st order of Home Federal's basic printed checks free
  • Free online banking
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Senior Checking

  • Reserved for depositors 55 years of age and older
  • Earn tiered interest rates on your checking account's balance
  • Free Home Federal's basic printed checks free for life, limited to one box per year
  • Minimum of $100.00 required to open
  • No minimum balance requirement
  • No monthly service charge
  • Free unlimited ATM and debit card transactions
  • Imaged checks provided in monthly statement
  • Direct deposit required
  • Free online banking
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Money Market Account

  • Earn tiered interest rates on your money market account's balances
  • Minimum of $1000.00 required to open
  • No minimum balance requirement
  • No monthly service charge
  • Up to six transfers per month, three may be by check
  • Unlimited withdrawals done in person, by mail, messenger or ATM
  • Imaged checks provided in monthly statement
  • Free ATM card
  • Free online banking
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Statement Savings

  • Earn interest on your savings account's balance
  • Minimum of $100.00 required to open
  • No monthly fee with a minimum balance of $300
  • $3.00 service charge per account cycle if balance drops below $300
  • Monthly statement provided
  • Free ATM card
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Passbook Savings

  • Earn interest on your savings account's balance
  • Ideal account for minors
  • Minimum balance of $100.00 required
  • No monthly service charge
  • Passbook required for withdrawals
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Christmas Club

  • Earn interest on your Christmas Club account's balance
  • Ideal to help you save for the holiday season
  • No minimum balance requirement
  • No monthly service charge
  • Quarterly statement provided
  • Check for balance of account sent in October each year
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Traditional & Roth IRA's

  • Earn interest on your IRA account based on term of CD
  • Open account with as little as $25.00
  • No fees
  • Can elect to have rate bumped once each year if age 59 ½ or older
  • No early withdrawal penalty if age 59 ½ or older
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Certificates of Deposit

  • Earn interest on your CD based on our wide range of terms
  • Interest can be received by check, compounded back to CD, or transferred to a checking, savings, or money market
  • Interest can be paid monthly, quarterly, semi-annually, annually or at maturity
  • Terms range from 7 days – 5 years
  • Fixed interest rates on all terms
  • Option to bump interest rate one time on 1 year, 2 year, and 5 year flex CD's
  • Minimum balances range from $500.00 to $2,500.00
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All interest rates subject to change