Personal Savings Accounts

Save today for what matters tomorrow. Our savings account options are designed to help you build toward your goals-whether you're preparing for unexpected expenses,
planning a major purchase, or saving for the future.

Why Save With Home State Bank?

We offer competitive interest rates, straightforward account options, and the personal service you expect from a community bank. Our savings accounts are designed to support your financial goals at every stage of life.

Choose Your Savings Account
Choosing the Right Savings Account 

Free Kasasa Saver®

Link your Kasasa Cash® or Kasasa Cash Back® checking account to this free account that pays a high rate and helps you save automatically.

  • High interest rate on your savings
  • No monthly service fees
  • Automatic savings transfers when you qualify
  • Perfect complement to your Kasasa checking
Learn More About Kasasa Saver ➔

Money Market Savings

Best for: Larger balances seeking higher returns

  • $1,000 minimum opening deposit
  • Tiered interest rates - earn more on higher balances
  • Complimentary paper statements
  • Ideal for established savings goals

Holiday Club Account

Best for: Spreading holiday expenses throughout the year

  • Avoid holiday-induced debt and stress
  • Competitive interest
  • No monthly service fee
  • Deposit anytime including direct deposit
  • Balance automatically disbursed each November
  • Includes Online and Mobile Banking

Regular Savings

Best for: General purpose savings and emergency funds

  • $100 minimum opening deposit
  • Easy access to your funds
  • Simple, straightforward account
  • Perfect for short-term goals

Kids Club Savings

Best for: Children under 18 learning to save

  • Low $25 opening deposit
  • Complimentary paper statements
  • Great way to teach financial responsibility
  • Earn interest on balances over $25

Certificates of Deposit

Best for: Conservative investors, offers a fixed interest rate for a set term.

  • Competitive fixed interest rates
  • Various term options available
  • FDIC insured
Learn More About CDs ➔
Compare Savings Accounts
Account Features Kids Club Savings Regular Savings Money Market Savings
Opening Deposit $25.00 $100.00 $1,000.00
Minimum Balance To Avoid Service Charge $25.00 $50.00 $1,000.00
Service Charge If Below Minimum $5.00 / month $5.00 / month $10.00 / month
Interest Variable Rate Variable Rate Variable Tiered Rate
Minimum Balance To Earn Interest $25.00 $100.00 $0.01
Dormant Account Fee N/A $5.00 after 36 months inactive (balance < $500) $5.00 after 36 months inactive (balance < $500)
eStatements Complimentary Complimentary Complimentary
Paper Statements Complimentary $3.00 per cycle Complimentary
Checks N/A N/A N/A
Age Criteria Under 18 N/A N/A
Disclosure: Additional fees may apply. Account terms are subject to change. Interest rates are variable and subject to change at any time. Please contact us for current rate information.

Why Choose Our Savings Accounts?

Competitive Rates

Earn competitive interest rates on your savings to help your money grow faster over time.

FDIC Insured

Your deposits are insured up to $250,000 per depositor by the FDIC for your peace of mind.

Digital Access

Manage your savings 24/7 with our free online and mobile banking services.

Personal Service

Our local banking team is here to help you choose the right savings account for your goals.

All Savings Accounts Include

  • Online Banking (24-hour access)
  • Mobile Banking
  • eStatements
  • Access to HSB ATMs
  • Easy transfers

Savings Tips

  • Build Your Emergency Fund: Save 3-6 months of expenses
  • Automate Your Savings: Set up automatic transfers
  • Start Small, Save Often: Consistency beats timing

Looking for Higher Returns?

If you can commit your funds for a fixed period, our Certificates of Deposit (CDs) and IRA accounts offer higher interest rates and FDIC insurance protection, providing a dependable way to save and plan for the future.

Ready to Start Saving?

Open a savings account today at any of our branch locations or contact us to learn more.

Find a Branch