Home Savings
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.00% | 5-year CD | 60 Month CD 1.85% - Synchrony Bank 60 Month CD |
| 0.20% | 1-year CD | 365 Day CD 1.05% - Ally Bank High Yield 12-Month CD |
| 0.03% | Savings | Statement Savings 1.00% - Ally Bank Online Savings Account |
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.
Somewhat ok bank, Good customer service but crappy fees
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
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.
Data as of Q2 2016
Learn more about bank healthHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 28114 |
| Year Established | 1889 |
| Employees | 435 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.86% |
| Return on Equity - YTD | 7.58% |
| Annual Interest Income | $34.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $2.08B$1.92B |
| Loans | Q2 2016vs Q2 2015 | $1.44B$1.26B |
| Deposits | Q2 2016vs Q2 2015 | $1.49B$1.47B |
| Equity Capital | Q2 2016vs Q2 2015 | $240.6MM$223.9MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $17.2MM$16.9MM |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $20.6MM$19.5MM |
| Real Estate Owned | Q2 2016vs Q2 2015 | $1.6MM$3.1MM |
Always verify rates and promotions with the bank or credit union. We are not Home Savings; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Home Savings Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.03%* | $25k* | - | Interest Checking | ||
| OTHER TIERS: 0.01% → $1k - $25k | |||||
Home Savings CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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 |
Home Savings has 31 locations. Click to view all Home Savings locations.