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Overview / Commentary
275 West Federal Street
Youngstown, OH 44503

Home Savings is headquartered in Youngstown and is the 13th largest bank in the state of Ohio. It is also the 348th largest bank in the nation. It was established in 2000 and as of June of 2017, it had grown to 484 employees at 36 locations. Home Savings has an A health rating.

Reviews (3)

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.

Will Never Again Use Home Savings

Posted by: JBecka1 | Aug 23, 2017

I own my home with another person and was looking to refinance in order to take his name off the loan. I knew going in it was going to be a long shot. Home Savings encouraged me the whole way, telling me I had nothing to worry about and even told me I had loan approval. I was ecstatic thinking I would be able to stay in my home. Then weeks went by where I heard nothing from them... I kept calling and every time I'd call I'd get the same "we're still working on your loan details, you have nothing to worry about." Then all of a sudden they tell me the loan won't go through. They gave the excuse that they just received my tax docs from the IRS that had my income from the year before, however I had sent them the transcripts 2 months before!!! When I asked why no one looked at the transcript I sent and realized it would be a problem two months earlier I never received an answer. They in fact stopped responding to my emails all together. So, my advice is save yourself the time and money of using Home Savings because it doesn't seem like their employees are well trained and know what they are doing!


Health Grade Components

FDIC Certificate #35385
Year Established2000
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD10.75%
Annual Interest Income$44.5MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$2.55B$319.7MM
LoansQ2 2017vs Q2 2016$1.96B$271.1MM
DepositsQ2 2017vs Q2 2016$1.93B$250.4MM
Equity CapitalQ2 2017vs Q2 2016$264.5MM$32.6MM
Loan Loss AllowanceQ2 2017vs Q2 2016$19.6MM$2.7MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$10.8MM$1.8MM
Real Estate OwnedQ2 2017vs Q2 2016$1.2MM$76.00K
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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

0.45%*$50k*-Premier Money Market Account
OTHER TIERS: 0.30% Up to $10k | 0.40% $10k - $50k

Home Savings Checking Account Rates

0.35%*$50k*-Platinum Checking -Private Banking
OTHER TIERS: 0.10% Up to $50k
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%--18 Month IRA (Variable Rate)
0.25%$500-18 Month IRA
0.20%$500-12 Month IRA

Sorry, but we do not have location data for Home Savings. Its headquarters is located at 275 West Federal Street - Youngstown, OH 44503