Savings Accounts

Whether buying a home, paying for college, or planning for retirement and travel, a Home Federal Bank savings account will help you reach your financial goals. Click here for current interest rates »


Statement Savings

Earn the savings account rate and have anytime access to your account with an ATM/Debit card*.

  • ATM/Debit card* access to your account.
  • Monthly statement listing all transactions.
  • Additions are unlimited and may be made in a variety of methods with no transaction fees.
  • Withdrawals made in person are unlimited in number with no transaction fees.
  • ATM withdrawals are unlimited in number with no transaction fees when made at a Home Federal ATM.
  • Preauthorized and third party transfers, including debit card transactions, are limited to 6 per statement cycle.
  • $100.00 minimum to open the account.
  • $2.00 monthly maintenance fee if balance falls below $50.00.
  • $50.00 minimum balance to earn interest.
  • Interest is compounded daily and paid monthly.

*ATM/Debit cards are subject to approval.  Debit cards must be linked to checking accounts.

Christmas Club Savings

Savings account for customers who wish to maintain a separate account for their Christmas savings.

  • Monthly statement listing all transactions.
  • Additions are unlimited and may be made in a variety of methods with no transaction fees.
  • Withdrawals made in person are unlimited in number with no transaction fees.
  • Preauthorized and third party transfers are limited to 6 per statement cycle.
  • No monthly maintenance fee.
  • $1.00 minimum to open the account.
  • $1.00 minimum balance to earn interest.
  • Interest is compounded daily and paid with the annual club payout or at account closure.
  • Christmas Club payout is issued in mid October.

Health Savings Account (HSA)

A tax-exempt account established exclusively for the purpose of paying or reimbursing qualifed medical expenses of you, your spouse, and your dependents.

  • If you are eligible, you can establish an HSA in much the same way you would an IRA.
  • Each year, you are responsible for determining your allowable annual HSA contribution.
  • 2017 Contribution Limits - $3,400 Self-Only, $6,750 Family.
  • 2018 Contribution Limits - $3,450 Self-Only, $6,900 Family.
  • $1,000 additional catch-up for eligible individuals age 55 or older by the end of the year and have not enrolled in Medicare.
  • Access your funds with special HSA Debit Card.