Rates Current as of Thursday September 09, 2010

Home Savings and Loan Company Locations

Posted in December 23rd, 2009

Home Savings operates 39 branch bank locations in Ohio and Pennsylvania. Home Savings offers a full range of retail and commercial banking products and services through the retail branches as well as through online banking.
Home Savings and Loan branch locations in Ohio and Pennsylvania. Bank directory lists Home Savings and Loan offices alphabetically by city [...]

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CD Rate Updates

CD Interest Rates Continue to Fall July 19, 2010

National certificate of deposit rates once again moved lower for the week ending July 16, 2010. According to the most recent survey of bank CD rates performed by Selectcdrates.com, CD interest rates were lower for three of the five CD maturities measured and remained unchanged for the remaining two terms.
The average of the top [...]

Bank CD Interest Rates June 21, 2010

Certificate of deposit interest rates were just fractionally lower for the week ending June 18, 2010 based on the survey of bank CD rates performed by Selectcdrates.com. National CD rates for the three month, six month and two year maturities ended the week unchanged from the prior week. The one year and five [...]

Bank Certificate of Deposit Rates June 14, 2010

Certificate of deposit interest rates ended the week on June 11th with mixed results across the various maturities. The average yield for the five year CD rates ended with a gain on the week while the six month and one year term CDs remained unchanged. Unfortunately, the average rate on the top ten [...]

Banking & CD FAQs

When are direct deposits available for withdrawal?

National banks must make funds available for withdrawal on the “payment date.” This is the date on which the funds are actually payable, not the date on which the bank received the deposit.

What products do credit union offers?

Credit unions can be very large or quite small in both deposits and number of members. Credit unions operate like most any bank by taking in deposits an making loans and investments. The range of products any particular credit union offers can be as competitive as the largest bank, however most credit unions

I re-deposited a check. Now the bank says that it has placed an exception hold on my funds. What does that mean?

The bank may use an exception hold on a check that was previously deposited but was returned unpaid for insufficient funds. This allows the bank to lessen the risk associated with this transaction. An exception hold may not be applied to any check (including an “official type” check) that has been returned unpaid and re-deposited

What are credit enhancements?

Issuers of securities use credit enhancements to raise the credit rating of a security by backing it with the credit of a third party. Credit enhancements, which may include, bond insurance and bank letters of credit, can help lower the risk of default, improve liquidity, and reduce the interest rate that issuers must pay.

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