Home Federal Savings & Loan

Choosing The Way You Want To Save

Online Convenience

Now you can verify that deposits and checks have cleared, confirm balances and transfer between your Home Federal accounts, online, 24/7.

If you are a Home Federal customer, sign up here for this free service.

Passbook Savings Accounts

These time-tested savings accounts are the perfect savings vehicle for people of all ages who want to watch their money grow. Enjoy the convenience of depositing and withdrawing money any time you wish.

Money Market Accounts

Earn interest on your savings while still having your money available for withdrawal whenever you need it.

Money market rates are set weekly and guaranteed for one month from the day you open your account. Please ask about current rates.

This account has no fees or service charges of any kind.

Deposit or withdraw money anytime, without penalty, and write up to three checks on the account per monthly statement cycle.

Home Federal Advantage Account

Save for something specific—Christmas, a vacation, annual property taxes for your home.

It works like this:

• You receive a free gift for opening your account.
• You make 49 weekly payments of $30, $20, $10 or $5 into your account.
• Home Federal makes the 50th payment.
• You receive the full account amount one week after the 50th week.

IRA Plus

This is no ordinary IRA. Use IRA Plus for both traditional IRA and Roth IRA accounts and get:

• Continuous compounding of interest for faster growth
• No fees or service charges
• The tax advantages:
  • a tax deduction on your annual traditional IRA contributions, if you qualify.
  • tax-free qualified withdrawals from a Roth IRA
  • no taxes on your interest while it accrues in either type of IRA

Certificates of Desposit

Home Federal pays attractive rates on your favorite CD terms - from three months to six years.

Open your FDIC-insured account with just $1,000 or more and collect your interest three convenient ways:

• Let your interest compound, resulting in the highest annual percentage yield available.
• Transfer you interest to a passbook savings or checking account.
• Receive monthly or quarterly interest checks on certificates of $5,000 or more.

Interest on CDs with terms of one-year or longer are compounded continuously to pay you the highest possible annual percentage yield. Please ask for current interest rates.

Rates

accurate as of 7-27-10

certificate of deposit	interest rate	annual percentage yield
72 Month	2.44	2.50
60 Month	2.34	2.40
48 Month	2.24	2.30
36 Month	1.95	2.00
30 Month	1.86	1.90
24 Month	1.66	1.70
21 Month	1.57	1.60
18 Month	1.27	1.30
16 Month	1.18	1.20
15 Month	1.08	1.10
12 Month	.98	1.00
8 Month	.80	.80
7 Month	.75	.75
6 Month	.65	.65
3 Month	.50	.50
There may be a penalty for early withdrawal. Minimum Balance to open and earn APY is $1,000.

individual retirement accounts	interest rate	annual percentage yield
18 Month	1.27	1.30
60 Month	2.34	2.40
Minimum Balance to open is $500. Minimum Balance to earn APY is $10. There may be a penalty for early withdrawal. Please request further information from an employee concerning the fees and terms applicable to the advertised account. Deposits insured by the FDIC.