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Overview / Commentary
888-822-4751
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 390th largest bank in the nation. It was established in 1889 and as of March of 2016, it had grown to 427 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
A

Health Grade Components

Overall
FDIC Certificate #28114
Year Established1889
Employees427
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD6.04%
Annual Interest Income$17.0MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$2.03B$1.86B
LoansQ1 2016vs Q1 2015$1.40B$1.20B
DepositsQ1 2016vs Q1 2015$1.50B$1.44B
Equity CapitalQ1 2016vs Q1 2015$230.8MM$225.3MM
Loan Loss AllowanceQ1 2016vs Q1 2015$16.9MM$17.2MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$20.3MM$20.7MM
Real Estate OwnedQ1 2016vs Q1 2015$1.8MM$2.9MM
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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

Home Savings CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations

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