Home Savings Bank, FSB

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.homesavingsbanknky.com

859-431-4437

202 Elm Street
Ludlow, KY 41016

Home Savings Bank, FSB is headquartered in LUDLOW and is the 120^th largest bank in the state of Kentucky. It is also the 4,371^st largest bank in the nation. It was established in 1941 and as of March of 2025, it had grown to 5 employees at 1 location. Home Savings Bank, FSB's CD rates are 51% higher than the national average, but it has a C health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Home Savings Bank, FSB has a low asset base.

Health Grade Components

Overall
FDIC Certificate #	31723
Year Established	1941
Employees	5
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	-0.53%
Return on Equity - YTD	-4.42%
Annual Interest Income	$353K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$28MM$27.7MM
Loans	Q1 2025vs Q1 2024	$22.3MM$20.9MM
Deposits	Q1 2025vs Q1 2024	$18.7MM$19MM
Equity Capital	Q1 2025vs Q1 2024	$3.3MM$3.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$151K$150K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$744K$297K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Home Savings Bank, FSB Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$0	-	Passbook Savings Account
0.10%	$0	-	Statement Savings Account

Home Savings Bank, FSB Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$25k^*	-	Gold Account
OTHER TIERS: 0.05% → $1k - $10k \| 0.10% → $10k - $25k
0.05%	$0	-	NOW Checking Account

Home Savings Bank, FSB CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.86%	$500	-	60 Month CD
1.76%	$500	-	48 Month CD
1.66%	$500	-	36 Month CD
1.61%	$500	-	30 Month CD
1.51%	$500	-	24 Month CD
1.41%	$500	-	18 Month CD
1.41%	$500	-	20 Month CD Special
1.36%	$500	-	12 Month CD
1.36%	$500	-	19 Month CD Special
1.31%	$500	-	10 Month CD Special
1.26%	$500	-	9 Month CD Special
1.00%	$1k	-	182 Day CD

Home Savings Bank, FSB IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.87%	$0	-	60 Month IRA Certificate
1.77%	$0	-	48 Month IRA Certificate
1.66%	$0	-	36 Month IRA Certificate
1.56%	$0	-	24 Month IRA Certificate
1.46%	$0	-	18 Month IRA Certificate
1.41%	$0	-	12 Month IRA Certificate
0.15%	$0	-	IRA Statement Savings Account

Locations

Home Savings Bank, FSB Locations
Home Savings Bank, FSB	202 Elm St	Ludlow, KY 41016

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