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Overview / Commentary
275 West Federal Street
Youngstown, OH 44503

Home Savings is headquartered in Youngstown and is the 15th largest bank in the state of Ohio. It is also the 384th largest bank in the nation. It was established in 1889 and as of June of 2016, it had grown to 435 employees at 31 locations. Home Savings has an A health rating.

Reviews (2)

Somewhat ok bank, Good customer service but crappy fees

Posted by: TravisN | Sep 2, 2014

I was with Home Savings for quite a while and had a ok-ish experience with the bank. Their customer service at a branch location was pretty good, the tellers were nice and friendly. While email support was somewhat of a pain. I asked if they were working on an iPhone app and a developer replied saying No they were not and had no plans to, about 2 months after I left a iPhone app was released.

A big reason why I left was due to it being hard to check my balance on my phone and due to big fees. They had an ATM right outside their branch, one day I got some cash from it and got a fee from using my own branch's ATM. I got fees from Amazon, Target, Gas stations, and all places that took my credit card as a credit card instead of debit. They did partner with another ATM brand which was nice, it allowed me to get cash from their brand ATM's without a out of network fee, but some locations (Like Walmart) still cost a fee anyways.

Long story short, Great customer service at the branch location but a ton of fees.

Loan Payments

Posted by: Anonymous | Oct 10, 2012

About 6 months ago, I was about 3 weeks late paying my monthly amount on my Home Equity Loan with Home Savings and Loan. I contacted the bank and let them know that I realized this one time I had no recourse due to personal financial difficulty at that time, but to make my Equity payment, it would be late, and would try not to let this happen again.

Subsequently, since that one time, I have continued to make my payment on a monthly basis. I have never missed a payment and have been diligent about the payment occurring at the same time every month.

Harassment ensues!!! You would think I was years behind instead of a few weeks. I continue to get phone calls month-after-month-after month. I do not know what their procedure is if someone has missed a home mortgage payment, but I can only imagine the amount of phone calls made from their loan department.

Please put a procedure in place that would let you analyze someone's consistent re-payment of a loan vs one late payment and stop the harassing phone calls for someone making an honest attempt to repay their debt.


Health Grade Components

FDIC Certificate #28114
Year Established1889
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD7.58%
Annual Interest Income$34.4MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$2.08B$1.92B
LoansQ2 2016vs Q2 2015$1.44B$1.26B
DepositsQ2 2016vs Q2 2015$1.49B$1.47B
Equity CapitalQ2 2016vs Q2 2015$240.6MM$223.9MM
Loan Loss AllowanceQ2 2016vs Q2 2015$17.2MM$16.9MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$20.6MM$19.5MM
Real Estate OwnedQ2 2016vs Q2 2015$1.6MM$3.1MM
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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 Savings Account Rates

0.05%--Health Statement Savings Account
0.05%*$5k*-Platinum Statement Savings
OTHER TIERS: 0.01% Up to $5k
0.05%--Holiday Club Statement Savings
0.03%--Big Bucks Statement Savings
0.03%$50-Statement Savings
0.03%--Student Statement Savings

Home Savings Money Market Rates

0.25%*$100k*-High Yield Money Market Account
OTHER TIERS: 0.01% $10k - $25k | 0.05% $25k - $50k | 0.15% $50k - $100k

Home Savings Checking Account Rates

0.03%*$25k*-Interest Checking
OTHER TIERS: 0.01% $1k - $25k

Home Savings CD Rates

1.15%$500-72 Month CD
1.00%$500-60 Month CD
0.75%$500-48 Month CD
0.50%$500-36 Month CD
0.35%$500-30 Month CD
0.30%$100-24 Month Big Bucks Big Savers
0.30%$100-24 Month Home Buyers
0.30%$500-24 Month CD
0.25%$500-18 Month CD
0.20%$500-12 Month CD
0.20%$500-365 Day CD
0.10%$500-182 Day CD
0.05%$500-28 Day CD
0.05%$500-91 Day CD

Home Savings IRA Rates

1.15%$500-72 Month IRA
1.00%$500-60 Month IRA
0.50%$500-36 Month IRA
0.35%$500-30 Month IRA
0.30%$500-24 Month IRA
0.25%$100-18 Month IRA (Variable Rate)
0.25%$500-18 Month IRA
0.20%$500-12 Month IRA

Home Savings has 31 locations. Click to view all Home Savings locations.