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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.
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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
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