Rates and Fees

Rates Effective August 1, 2012

Deposit Rates
Account Type	Minimum Balance* to open or to receive APY quoted	Interest Rate	APY**
NOW	$200	.01	.01
Super NOW	under $2,500	.05	.05
	over $2,500	.05	.05
Home Free Checking	**Please call for rates
Christmas Club	$1	0.60	0.60
Passbook Savings	$1	.05	.05
Statement Savings	$1	.05	.05
Money Market	under $2,500	.01	.01
Personal	$2,500 - $9,999	.10	.10
Business	$10,000 - $24,999	.15	.15
IRA	$25,000 - $49,999	.25	.25
	$50,000 or more	.35	.35
6 Month CD	$500	0.25	0.25
9 Month CD	$500	0.30	0.30
12 Month CD	$500	0.40	0.40
18 Month CD	$500	0.40	0.40
24 Month CD	$500	0.50	0.50
30 Month CD	$500	0.50	0.50
60 Month CD	$500	1.49	1.50
6 Month IRA CD	$500	0.25	0.25
9 Month IRA CD	$500	0.30	0.30
12 Month IRA CD	$500	0.40	0.40
18 Month IRA CD	$500	0.40	0.40
24 Month IRA CD	$500	0.50	0.50
30 Month IRA CD	$500	0.50	0.50
60 Month IRA CD	$500	1.49	1.50
18 Month IRA CD Variable	$5	0.25	0.25
** APY=ANNUAL PERCENTAGE YIELD
Interest rate and APY on NOW, SUPER NOW, CHRISTMAS CLUB, PASSBOOK or STATEMENT SAVINGS, and MONEY MARKET accounts are subject to change daily. Interest rate and APY on 18 MONTH IRA FLOATING RATE will change monthly based on Home Savings Bank’s 6 Month Certificate of Deposit rate. APY may be reduced based on fees charged to your account.
See our “Truth-In-Savings Disclosures” for specific terms and fees that relate to the above products.
* Daily Balance (the amount of principal in the account each day)

Loan Rates
Contact any of our offices for a detailed schedule of our current loan rates.

Fee Scedule
Check printing	(fee depends on style of check ordered)
Certified Checks	$10.00 each
Money Orders	$3.00
Teller Checks	$5.00
Copies of money orders or teller checks	$3.00 per check
Counter Checks	first 5 free $1.00 per check after that
Traveler’s Checks for one	$1.00 per $100.00
Traveler’s Checks for two	$2.00 per $100.00
Checks (and other items) returned unpaid	$10.00
Foreign item deposits	$5.00 plus correspondent bank charges
Phone notification of overdraft	$5.00
Non-sufficient funds (NSF) check	$28.00
Non-sufficient funds (NSF) ATM withdrawal	$28.00
Non-sufficient funds (NSF) Debit Card Purchase	$28.00
Non-sufficient funds (NSF) ACH (preauthorized withdrawal)	$28.00
Non-sufficient funds (NSF) electronically converted check	$28.00
Non-sufficient funds (NSF) electronic debit of 3rd party insufficient funds fee	$28.00
Overdraft paid	$28.00
Return of original canceled checks with statement	$10.00/month
Photocopies of checks	$3.00
View Internet Checks	$1.50 per side after 12 sides
Statement reprints	$5.00 per page
Account transaction printout	$1.00 per page
Account reconciliation fee	$15.00 per hour (1 hour minimum)
Research fee	$15.00 per hour (1 hour minimum)
Copies	$1.00 per page
Fax	$1.00 per page
Replacement Loan or Savings Passbook	$5.00
Telephone transfer from any account to another account	$5.00
Stop payment (checks)	$28.00
Stop payment (ACH)	$28.00
Wire Transfers (incoming)	$10.00
Wire transfers (outgoing)	$15.00
Foreign incoming wire transfers	$10.00+correspondent bank charges
Foreign outgoing wire transfers	...$15.00+correspondent bank charges
Foreign Currency Conversion	$15.00 1day/$10.00 2 day
Tax levy or Garnishment fee	$50.00
Safe deposit box late fee due by Jan 31st of each year	$15.00
Drilled safety deposit box fee	$100.00
Lost safety deposit box key	$20.00
Replacement ATM or Debit card	$5.00

Fee Schedule
Contact any of our offices for a detailed schedule of our current fees.