Get full service checking without all the fees.  Enjoy a no minimum balance and no service fee account.


  • No annual fees
  • No minimum balance
  • Paper or eStatements
  • Debit Card
  • Overdraft Protection
  • Mobile Banking
  • Online banking/Bill Pay
  • Direct Deposit/Payroll Deduction
  • Unlimited Checking Writing

Become a member of Home Federal Credit Union with just $5.00.  We give you a convenient way to save towards your savings goals.


  • Dividends are paid quarterly on balances greater than $50.00
  • Quarterly paper or eStatements
  • Online banking
  • Direct Deposit

Penny Pincher
Start your little ones out right with their own savings account.  They can learn to save and budget for the things they want.


  • For children ages 0-12
  • Will receive a free piggy bank at account opening
  • Must have parent or legal guardian on account
  • Child will receive a birthday card each year
  • Receives quarterly dividends for a balance greater than $50.00

Christmas Club
Putting a little away can help on Christmas Day.


  • No minimum balance
  • We transfer to your share/savings account on October 14th each year
  • 1 additional withdraw allowed per year
  • Can open anytime
  • Receives quarterly dividends for a balance greater than $50.00

Vacation Club
Have the vacation you’re looking for without the debt.  With savings throughout the year you can help towards your dream vacation.


  • No minimum balance
  • Penalty free early withdrawal
  • Open anytime of the year
  • Quarterly paper or eStatements
  • Receives quarterly dividends for a balance greater than $50.00

Sub Savings
Put aside money for any reason with this extra savings account.  Is your child an athlete or do you have extra hobbies?  We know the expenses for sports or hobbies can be quite costly.  You can put money aside all year long to help with these extra expenses.


  • Minimum $5.00 balance
  • Quarterly paper or eStatements
  • Receive quarterly dividends for a balance greater than $50.00
  • Penalty free withdrawal

Share Certificates
Plan for your future with guaranteed returns.  You choose your term which determines your rate. 

  • Call us for updated rates and terms.
  • Receives quarterly dividends
  • Early withdrawal penalties apply
  • Fixed rate throughout the full term
  • Auto renewed unless specified

Individual Retirement Account (IRA)
Enjoy tax benefits while savings for your future.

  • Traditional and Roth available
  • No setup fees
  • No monthly or annual service charges
  • Contributions may be tax deductible *

*Consult your tax advisor 

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