Personal Banking - Checking, Savings, Personal Loans, Home Mortgages

Personal Banking - A Better Way.

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

At this time, our accounts are only available to customers living or working in our market area. All accounts should be opened in person.



Premium Checking - Interest Checking

EARN INTEREST on your checking account's balance
  • Minimum of $100.00 required to open
  • $10.00 monthly service charge waived if minimum balance of $2500.00 maintained
  • Free unlimited ATM and debit card transactions
    (At bank owned-ATMs. $1.00 foreign ATM fee for any other ATM location used)
  • If age 55 or older, may receive one free box of Home Federal's basic printed checks free per year
  • Imaged checks provided in monthly printed or e-statement
  • Free online banking and bill pay
  • Free debit card
  • Free account alerts
  • Free mobile banking app
  • Free email statements available
Learn More

Prime Checking

Non-Interest bearing and lower balance required
  • Minimum of $100.00 required to open
  • $6.00 monthly service charge waived if minimum balance of $1500.00 maintained
  • Free unlimited ATM and debit card transactions
    (At bank owned-ATMs. $1.00 foreign ATM fee for any other ATM location used)
  • If age 55 or older, may receive one free box of Home Federal's basic printed checks free per year
  • Imaged checks provided in monthly printed or e-statement
  • Free online banking and bill pay
  • Free debit card
  • Free account alerts
  • Free mobile banking app
  • Free email statements available
Learn More

Cash Back Checking - Free Checking

FREE Checking with NO monthly service charge
PLUS Earn .10 for each completed signature debit card transaction of at least $10.00 or more, that post and clear the account during the monthly statement cycle.
  • Minimum of $100.00 required to open
  • Non-Interest bearing
  • No minimum balance requirement
  • Free unlimited ATM and debit card transactions
    (At bank owned-ATMs. $1.00 foreign ATM fee for any other ATM location used)
  • Must receive imaged checks in monthly e-statement
  • Free online banking and bill pay
  • Free debit card
  • Free account alerts
  • Free mobile banking app
Learn More

Smart Rewards Checking - High Interest Checking

Earn Bonus Interest Rate of 4.00% APY1 on up to $15,000 of your checking account's balance PLUS tiered interest rates on balances above $15,000. You can also receive foreign ATM fee refund of up to $10.00 if the following minimum monthly requirements are met:
  • Minimum balance requirement of $250.00
  • Must have one direct deposit of at least $500.00 that posts during the monthly statement cycle
  • Must complete one ACH debit for any amount that posts and clears the account during the monthly statement cycle
  • Must receive imaged checks in a monthly E-Statement
  • Must complete at least 15 signature debit card transactions of at least $5.00 or more that post and clear the account during the monthly statement cycle
Plus:
  • Minimum of $250.00 required to open
  • No monthly service charge
  • Free unlimited ATM and debit card transactions
    (At bank owned-ATMs. $1.00 foreign ATM fee for any other ATM location used)
  • No interest paid on entire balance if qualifications are not met
  • Free online banking and bill pay
  • Free debit card
  • Free account alerts
  • Free mobile banking app
Learn More

1APY = Annual Percentage Yield. Account rate tiers are as follows: 4.00% APY (interest rate 3.93%) applies to balances of $.01 - $15,000, and 0.35 APY (interest rate 0.35%) applies to balances over $15,000. Interest rate subject to change. Limited to one account per household. Must open account in person.

55 Plus Senior Checking

Home Federal's traditional account with features to fit your lifestyle.
  • Must be age 55 or older
  • $5.00 monthly service charge waived if minimum balance of $500.00 maintained
  • Free unlimited ATM and debit card transactions (At bank owned-ATMs. $1.00 foreign ATM fee for any other ATM location used)
  • May receive one free box of Home Federal's basic printed checks free per year
  • No Interest
  • May receive free rental for small safety deposit box or $25 off rental of larger box (at Mansfield Road location) as long as the account remains open and in good standing
  • May receive either printed statement or e-statement
  • Free online banking and bill pay
  • Free debit card
  • Free account alerts
  • Free mobile banking app
Learn More

Second Chance Checking Account

Home Federal offers you the opportunity to rebuild your finances with our Second Chance Checking Account.
  • Minimum of $100.00 required to open
  • $10.00 monthly service charge regardless of balance, $10.00 fee for initial debit/ATM card, $5.00 fee for replacement cards
  • May not have more than on ChexSystems record and may not be for more than $300.00.
  • Check printing charges are at customer expense.
  • E-statement required
  • With approval, customer is eligible to move to a different checking account after 1 year if account is active and in good standing
  • Free ATM transactions at bank-owned ATMs ($1.00 withdrawal fee for any other ATM location used)
  • Free online banking and bill pay
  • Free account alerts
  • Free mobile banking app
Learn More

Priority Account

  • Earn tiered interest rates on your money market account's balances
  • Minimum of $10,000.00 required to open
  • $10.00 monthly service charge waived if minimum balance of $10,000.00 maintained
  • Up to six free withdrawals and/or transfers per statement cycle and $5.00 fee for each withdrawal after six.
  • Federal regulation limits pre-authorized withdrawals to six per statement cycle (automatic & telephone payments, checks, drafts, debit card and other similar transactions).* Limit does not apply to withdrawals if done in person, by mail, messenger or ATM.
  • Monthly printed or e-statement provided
  • Free online banking
  • Free ATM card
  • Free account alerts
  • Free mobile banking app
  • Free ATM transactions at bank-owned ATMs ($1.00 foreign ATM fee for any other ATM location used)
Learn More

Silver Priority Account

  • Earn tiered interest rates on your money market account's balances
  • Minimum of $2,500.00 required to open
  • $10.00 monthly service charge waived if minimum balance of $2,500.00 maintained
  • Up to six free withdrawals and/or transfers per statement cycle and $5.00 fee for each withdrawal after six.
  • Federal regulation limits pre-authorized withdrawals to six per statement cycle (automatic & telephone payments, checks, drafts, debit card and other similar transactions).* Limit does not apply to withdrawals if done in person, by mail, messenger or ATM.
  • Monthly printed or e-statement provided
  • Free online banking
  • Free ATM card
  • Free account alerts
  • Free mobile banking app
  • Free ATM transactions at bank-owned ATMs ($1.00 foreign ATM fee for any other ATM location used)
Learn More

Smart Savings

  • Earn tiered interest rates on your Smart Savings account's balances
  • Minimum of $300.00 required to open
  • $9.00 quarterly service charge waived if minimum balance of $300.00 maintained
  • Up to six free withdrawals and/or transfers per statement cycle and $1.00 fee for each withdrawal after six.
  • Quarterly printed or e-statement provided
  • Free online banking
  • Free ATM card
  • Free account alerts
  • Free mobile banking app
  • Free ATM transactions at bank-owned ATMs ($1.00 foreign ATM fee for any other ATM location used)
Learn More

Minor Savings

  • No Service Charge Savings for account owners under age 18
  • Parent/Guardian must be on account
  • Minimum of $100.00 required to open
  • Up to six free withdrawals and/or transfers per statement cycle and $1.00 fee for each withdrawal after six.
  • Federal regulation limits pre-authorized withdrawals to six per statement cycle (automatic & telephone payments, checks, drafts, debit card and other similar transactions).2 Limit does not apply to withdrawals if done in person, by mail, messenger or ATM.
  • No minimum balance required
  • Quarterly printed or e-statement provided
  • Free online banking
Learn More

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
  • No early withdrawal penalty if age 59 1/2 or older
Learn More

Certificates of Deposit

  • Earn interest on 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 30 days to 5 years
  • Fixed interest rates on all terms
  • Option to bump interest rate on flex CDs with various terms
  • Minimum balances range from $500.00 to $2,500.00
  • Penalty for early withdrawal may apply
  • CD specials may be available
Learn More

2Transfers and drafts in excess of the limitations will subject the account to loss of transfer and draft capabilities or closure.
For all personal checking and savings accounts: All interest rates subject to change. Contact a Home Federal Bank location near you for interest rates. MUST OPEN ACCOUNTS IN PERSON AND LIVE OR WORK IN OUR MARKET AREA.