 |
 |
      |
 (765)
436-2222 |
Checking
Packages
Checking
Accounts
MAKE THE
SWITCH!
Savings
Accounts
Mortgage
Loans
Installment
Loans
HELOC Loans
Single Pay
Loans
Certificate of
Deposit Rates
CD Specials
Home Free
Visa®Check
Card
Safe Deposit
Box Rental
Service Fees
Online Banking
Personal Services
At Home National Bank, we believe that banking is personal. We believe it’s important to take the time to talk with you about the many issues that affect your finances and your future. Once we’ve gotten to know you, we’ll work to match you with the product or service that is right for your needs, from checking and savings accounts to mortgages and home equity loans. Your satisfaction is our top priority. That’s why we’ve assembled the following information about the products and services we offer—so you have everything you need to make an informed decision.
HomeMade Package
is for customers who want to have more benefits because
of your broader financial relationship with the bank.
Home Made Checking offers unlimited check writing, free online banking with Bill Pay option, free monthly image statements, and no monthly service charge if balances of $500 are maintained. This account is free for customers 55 years of age or older.
Home Savings is recommended for customers with savings balances of less than $5,000. Interest is compounded and paid quarterly.
Combined Statements – Upon request, your checking and savings statements can be combined into one monthly statement.
Free Online Banking and Bill Pay – Free access to your accounts and the movement of funds 24 hours a day, 7 days a week. Save time, money and stamps by using our Bill Pay service.
Home Free Visa® Check Card* – This card may be used as an ATM card or for point-of-sale purchase transactions.
Certificate of Deposit Bonus – We will add .10% over our normal competitive CD interest rate when you bring in new CD money and maintain a Home Made Checking account with us.
Mortgage Loan Savings*
– Choose to have your mortgage payment deducted automatically each
month and we’ll take $100 off the closing costs of your loans.
Installment Loan Discount* - Enjoy a .25% discount on any installment loan when you autopay from your Home Made checking account.
*Available to qualified customers
only
top ^
HomeFree Package is
our simplest banking package and offers a free checking account and a
variety of basic banking services.
Home Free Checking offers free checking with unlimited check writing, no monthly service charge and free safekeeping of checks. Online banking is available at no charge with otional Bill Pay service for only $3.00 per month.
Home Savings is recommended for savings balances less than $5,000. Interest is compounded and paid quarterly.
Combined Statements – Upon request, your checking and savings statements can be combined into one monthly statement.
Free Online Banking – Free access to your accounts and the movement of funds 24 hours a day, 7 days a week. Save time, money and stamps by using our Bill Pay service for only $3.00 per month.
Home Free Visa® Check Card* – This card may be used as an ATM card or for point-of-sale purchase transactions.
Mortgage Loan Savings* – Choose to have your mortgage payment deducted automatically each month and we’ll take $100 off the closing costs of your loans.
Installment Loan Discount* - Enjoy a .25% discount on any installment loan when you autopay from your Home Free checking account.
*Available to qualified customers
only
top ^
HomePlus Package is for customers who keep higher
balances in the bank and want to receive higher interest rates on these
funds.
Home Plus Checking is an interest bearing account and offers unlimited check writing and no monthly fee if a balance of $1,000 or higher is maintained. Online banking with free Bill Pay option is available. Interest will be compounded and paid monthly on all balances.
Home Tiered Savings is recommended for balances of $5,000 or greater. Interest rates are tiered and will increase as the balance in the account gets larger. Interest will be compounded and paid monthly on all balances.
Combined Statements – Upon request, your checking and savings statements can be combined into one monthly statement.
Free Online Banking and Bill Pay – Free access to your accounts and the movement of funds 24 hours a day, 7 days a week. Save time, money and stamps by using our Bill Pay service.
Home Free Visa® Check Card* – This card may be used as an ATM card or for point-of-sale purchase transactions.
Certificate of Deposit Bonus – We’ll add .15% over our normal competitive CD interest rate when you bring in new CD money and have the Home Plus Checking account with us.
Mortgage Loan Savings*– Choose to have your mortgage payment deducted automatically each month and we’ll take $200 off the closing costs of your loans.
Installment Loan Discount* - Enjoy a .25% discount on any installment loan when you autopay from your Home Plus checking account.
*Available to qualified customers
only
top ^
Home National Bank Checking
Accounts
|
Home Free Checking Home Made Checking Home Plus Checking |
|
Home National Bank Savings Accounts
Home Savings
• Recommended for balances of less than $5,000
• $20 minimum balance to open account
• Three withdrawals at no charge, excess withdrawal fee of $1.00 each after 3
• Interest will be compounded and paid quarterly on all balances
• See below for current rates or call 765-436-2222
Home Tiered Savings
• Recommended for balances of $5,000 or greater
• $20 minimum balance to open account
• Interest will be compounded and paid monthly on all balances
• See below for current rates or call 765-436-2222
Home Grown Kids Club Savings
• All youth are eligible up to 18 years of age or age 22 with proof of student status
• Account earns 2.22% A.P.Y. interest paid quarterly
• No monthly service charge
• $10 minimum opening deposit
• 3 withdrawals per month ($1.00 charge for each additional withdrawal)
• All new accounts receive a free piggy bank in addition to a $10 deposit into their Home Grown Kids Club Savings account
• Youth savings accounts presently with HNB may be converted to a Home Grown Kids Club Savings by visiting a HNB Customer Service Representative to complete the necessary paperwork. All present account holders converting will receive a free HNB piggy bank.
Certificates of Deposit
Invest in a Home National Bank certificate of deposit with as little as
$1,000. Certificate of deposit terms range from 90 days to 5 years. We
frequently offer CD Rate Specials. Also, with a Home Made or Home Plus
checking account, you are eligible to earn a CD bonus on all normal CD
rates (excludes special CDs).
Individual Retirement Accounts
Home National Bank offers a variable rate IRA that changes rates quarterly.
The rate will be based on the 30 Month CD rate when it changes.
Home National Bank Mortgage Loans*
Home National Bank uses a unique, risk-based pricing index to determine the rate you will receive on your mortgage loan. The rate is determined by your credit beacon score, your debt to income ratio, and the loan to value ratio for the property.
We will loan up to 90% of the purchase price or the appraised value of the property and we do not require that you purchase private mortgage insurance (PMI). Our mortgage loan terms are from 1 – 30 years. Many times our rates are lower than the published market rates. You can save an additional $100 on closing costs when you have your payment deducted automatically from either a Home Free or Home Made checking account or $200 on closing costs when you have your payment deducted automatically from a Home Plus checking account.
We offer construction mortgage loans on one to four family residential properties. The risk-based pricing index described above is also utilized to determine this rate. Terms are flexible depending upon your personal building circumstances.
*Available to qualified customers
only
top ^
Home National Bank Installment
Loans*
You can receive a .25% discount on our already low installment loan rates when you have your monthly payment deducted automatically from either a Home Made or a Home Plus checking account.
Home National Bank uses a unique, risk-based pricing index to determine the rate you will receive on your installment loan. The rate is determined by your credit beacon score, your debt to income ratio and the loan to value of the asset used as collateral.
Automobile Loans*– You can borrow up to 90% of the value of your vehicle which is five years old or newer. Terms range from 24 – 60 months. Loans above 90% may be made to those who qualify.
Certificate of Deposit Loans*– You can borrow at 2% above your CD rate for a term equal to your CD to avoid paying early withdrawal penalty. You will also retain your deposit investment.
Unsecured Loans*– Unsecured loans range from two to four years. The minimum loan amount is $500.
*Available to qualified customers
only
top ^
EZ Home Equity Lines of Credit*
- Lines of Credit to 90% of Appraised Value
- No Closing Fees on loans for 80% or less of Appraised Value
- Interest only payments to qualified borrowers
- You can draw on the line of credit with a check or a debit card
- Annual Fee waived for the first year
- Line is open for 10 years, then outstanding balance is converted to a 10 year amortization
- A flat prepayment fee of $225.00 will be assessed if paid off in the first 3 years
- Interest rates can start at .25% below prime to qualified borrowers
- You have the option to take the outstanding balance and convert to a fixed rate of interest anytime during the first 10 years
*Available to qualified customers
only
top ^
Home National Bank Single Pay Loans
If you are expecting a large sum of money at one time, but need a short-term loan until it comes in, Home National has a consumer product to offer you where you may pay interest monthly and pay the full principal back at maturity.
Home National Bank
Deposit Rates
Rates as of
7/1/2008
| Interest Rates | Annual Percentage Yield | |
| Home Plus Checking | 0.25% | 0.25% |
| Home Savings | 0.35% | 0.35% |
| Home Tiered Savings | ||
$ .01 - $4,999.99 |
0.25% | 0.25% |
$5,000.00 - $24,999.99 |
1.00% | 1.00% |
$25,000.00 - $49,999.99 |
1.50% | 1.51% |
$50,000.00 - $99,999.99 |
1.75% | 1.76% |
$100,000.00 and above |
2.00% | 2.01% |
The entire balance will earn the rate of the highest tier reached. For example a balance of $52,000.00 will earn 2.000% on the entire balance. |
||
| Home Grown Kids Savings | 2.20% | 2.21% |
For children up to age 18 or 22 if a qualifying student. |
||
Certificates
of Deposit
Rates as of
6/24/2008
Term |
Minimum Deposit |
Interest Rate |
Annual Percentage Yield |
| $1000 | 2.00% | 2.02 | |
| $1000 | 2.10% | 2.11% | |
| $1000 | 2.40% | 2.41% | |
| $1000 | 2.58% | 2.60% | |
| $1000 | 2.70% | 2.72% | |
| $1000 | 3.00% | 3.02% | |
| $1000 | 3.32% | 3.35% | |
| $1000 | 4.00% | 4.03% | |
| $1000 | 4.00% | 4.03% |
Call (765) 436-2222 for rates for CDs over $100,000.
Rates are subject to change.
Stop by or call (765) 436-2222 for the most current rates.
Home National Bank CD Specials
Rates as of
6/24/2008
| Term/Special | Minimum | Interest Rates | Annual Percentage Yield |
| 27 Month CD | $5,000 | 3.75% | 3.18% No Bonus |
| 11 Month CD | $5,000 | 3.25% | 3.30% No Bonus. |
Call (765) 436-2222 for rates for CDs over $100,000.
Rates are subject to change.
Stop by or call (765) 436-2222 for the most current rates.
Individual Retirement Accounts
Rate changes quarterly based on 30 Month CD rate
Rates effective 4/1/2008 through 6/30/2008
| Minimum | Interest Rate | Annual Percentage Yield |
| $1,000 | 2.85% | 2.87% |
Annual Percentage Yield assumes interest remains on deposit until maturity. Withdrawal of interest will reduce earnings.
Penalty for early CD withdrawal:
• CD maturing in 1 year or less – penalty is 3 months of interest
earned or would have been earned.
• CD maturing in over 1 year – penalty is 6 months of interest
earned or would have been earned.
Home Free Visa® Check Card or
Home National ATM Card
You may access your account(s) by ATM using your ATM and Personal Identification Number (PIN) or Visa® Check Card and Personal Identification Number (PIN) to:
• Get cash withdrawals from checking or savings account(s)•You may withdraw no more than $300 per day
•There is a charge of $1.00 per withdrawal at ATMs we do not operate
• Transfer funds from savings to checking account(s)
• Transfer funds from checking to savings account(s)
• Obtain information about:
•The account balance of your checking account(s)
•The account balance of your savings account(s)
Home Free Visa® Check Cards are issued with a preset limit of $500.00 per day on credit purchases (authorized by your signature) and $300.00 on PIN authorized transactions (which would include cash withdrawals.) Limits can be raised for larger purchases by contacting the bank.
Home National Bank Safe Deposit Rental
Size |
Price Per Year |
3 x 5 Box |
$15.00 |
5 x 5 Box |
$20.00 |
3 x 10 Box |
$25.00 |
5 x 10 Box |
$35.00 |
Home National Bank Service Charges
The following charges may be assessed against your HNB
account:
Service charges that may be |
|
| Check Printing | Fee depends on style
of checks ordered |
| Cashier’s Checks | $5.00 |
| Certified Checks | $4.00 |
| Personal Money Orders Up to $250 | $1.25 |
| Paid Overdraft (Maximum 2 items charged per day) | $28.00 |
| Nonsufficient Funds (NSF) Item (Each) | $28.00 |
| NSF Daily Maximum Charge | $56.00 |
| Stop Payments | $20.00 |
| Domestic Wire Transfers | |
| Outgoing | $12.00 |
| Incoming | $10.00 |
| Foreign Wire Transfers | Call 765-436-2222 for Current Rates |
| Statement History (by hour with $10 minimum charge) | $20.00 |
| Balance Statements (by hour with $5 minimum charge) | $10.00 |
Home
National Bank Online Banking
Enjoy the convenience of 24 hour access to your bank accounts. With our secure system, you can take advantage of all the features Online Banking offers:
- Secure access to all your HNB accounts
- Transfers between HNB checking & savings accounts
- CheckFree Bill Pay option available at no charge to HomePlus Pak and HomeMade Pak checking customers. HomeFree Pak customers will be charged $3.00 per month for Bill Pay.
- Loan payments to your HNB loan accounts
- Secure email allows you to send inquiries directly to bank personnel
- Online stop payments requests
- Online check reorders
- Download Account Information to Microsoft Money Software
| Helpful Calculators |
| How much will my mortgage payments be? | Should I lease or purchase a car? |
Should I finance or pay cash? |
What car can I afford? |
How much will my vehicle payments be? |
"Even though I live in Speedway, I've been banking with Home National Bank my entire life, and I've always received excellent personal service. This was especially true when after my wife, Bonnie, passed away three months ago. I hadn't had any experience with a checkbook, but Jody Durham at HNB gladly took the time to show me exactly what to do."
-Morris Pollard
