Phishing Scam

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Home Federal Bank

Rates Comparison

Prime Rate - 3.25%
Rates effective - 4/23/2014

Personal Loans

Car and Truck Loans - Used

Vehicle Age Term Minimum Loan Maximum Loan to Value As Low As Rate APR Monthly Payment
2-3 model years old 36 mo $2,500 90%
100%
4.39%
4.64%
5.365%
5.617%
$296.99
$298.10
48 mo $2,500 90%
100%
4.49%
4.74%
5.232%
5.484%
$228.00
$229.12
60 mo $2,500 90%
100%
4.64%
4.89%
5.241%
5.493%
$187.07
$188.21
72 mo $2,500 90%
100%
4.79%
5.04%
5.297%
5.549%
$160.08
$161.24
4-5 model years old 36 mo $2,500 90% 4.59% 5.566% $297.88
48 mo $2,500 90% 4.69% 5.433% $228.90
60 mo $2,500 90% 4.84% 5.442% $187.99
6-10 model years old 36 mo $2,500 90% 4.74% 5.717% $298.55
48 mo $2,500 90% 4.84% 5.770% $229.76

Annual Percentage Rate (APR) and Monthly Payment for each Term are based on a $10,000 loan amount including a $100 loan fee and $45 document preparation fee. APR and Monthly Payment are for illustrative purposes only; the actual APR and Monthly Payment will vary depending on the amount borrowed and number of payments. Additional fees may apply. Subject to credit approval.

View Disclosure

Effective date: 4/23/2014

APR effective as of date shown above.

As Low As Rate Explanation
The "As Low As" rate shown reflects a Relationship Pricing Reduction of 0.25%. Relationship pricing may be earned by maintaining an automatic loan payment from a Home Federal Bank checking account for the loan term. All loans are subject to rate increases due to factors such as complexity, risk or other considerations. Relationship Pricing Reduction may never reduce the rate below the loan program rate floor, if applicable.

Car and Truck Loans: New

Term Minimum Loan Maximum Loan to Value As Low As Rate APR Monthly Payment
36 months $2,500 80%
90%
100%
3.74%
3.99%
4.24%
4.711%
4.963%
5.214%
$294.09
$295.20
$296.32
48 months $2,500 80%
90%
100%
3.84%
4.09%
4.34%
4.578%
4.830%
5.081%
$225.08
$226.20
$227.32
60 months $2,500 80%
90%
100%
3.99%
4.24%
4.49%
4.587%
4.839%
5.091%
$184.12
$185.25
$186.39
72 months $2,500 80%
90%
100%
4.14%
4.39%
4.74%
4.643%
4.895%
5.247%
$157.09
$158.24
$159.85

Annual Percentage Rate (APR) and Monthly Payment for each Term are based on a $10,000 loan amount including a $100 loan fee and $45 document preparation fee. APR and Monthly Payment are for illustrative purposes only; the actual APR and Monthly Payment will vary depending on the amount borrowed and number of payments. Additional fees may apply. Subject to credit approval.

View Disclosure

Effective date: 4/23/2014

APR effective as of date shown above.

As Low As Rate Explanation
The "As Low As" rate shown reflects a Relationship Pricing Reduction of 0.25%. Relationship pricing may be earned by maintaining an automatic loan payment from a Home Federal Bank checking account for the loan term. All loans are subject to rate increases due to factors such as complexity, risk or other considerations. Relationship Pricing Reduction may never reduce the rate below the loan program rate floor, if applicable.

CD-Secured Loan

Term Maximum Loan to Value Loan Fee APR
CD Maturity (up to a maximum of 24 months) 90% $100 CD APY + 3.000%1
View Disclosure

Effective date: 4/23/2014

Subject to credit approval. Interest-only payments are due monthly. Annual Percentage Rate (APR) effective as of date shown above. Up to three certificates of deposit may be used as collateral for one CD-Secured Loan, if all rates on CDs are the same. Earliest maturity date of the CD determines maturity date for loan. CD may not be an IRA or Keogh, or have a variable rate or term. The CD cannot be held in the name of a trust. Only owners of the CD may be borrowers on the loan.

1 Minimum loan rate of 4.500% APR or the CD APY + 3.000%, whichever is higher. APR is based on a loan amount of $10,000 including a $100 loan fee and a $45 document preparation fee paid in cash at closing.

CheckCredit

Term Loan Amount Interest Rate APR
Revolving $500-$2,500 18.000% 18.000%
View Disclosure

Effective date: 4/23/2014

CheckCredit requires a Home Federal Bank checking account. Annual Percentage Rate (APR) effective as of date shown above. Subject to credit approval.

Annual fee of $24 applies and is assessed on the anniversary date each year thereafter. The minimum payment required is: (a) 5% of the outstanding revolving loan account balance plus interest or $20 plus interest, whichever is greater; or (b) the entire account balance, if it is less than $20.

Equity Term Loan: Non-Owner Occupied

Term Maximum
Loan to Value
Loan Amount As Low As Rate APR Monthly Payment
12 to 59 months 65% $5,000-$50,000
$50,001-$100,000
7.99%
7.49%
8.328%
7.750%
$308.221
$1,015.842
60 to 119 months 65% $5,000-$50,000
$50,001-$100,000
8.49%
7.99%
8.824%
8.234%
$307.621
$1,013.432
120 to 180 months 65% $5,000-$50,000
$50,001-$100,000
8.99%
8.49%
9.123%
8.586%
$152.021
$492.002

Annual Percentage Rate (APR) and Monthly Payment are for illustrative purposes and based upon the following:

1$15,000 loan amount 

2$50,001 loan amount 

All loans include a loan fee of 0.50% of the loan amount and a $45 document preparation fee. Additional fees may apply. The actual APR and payment will vary depending on the amount borrowed and number of payments. Subject to credit approval.

View Disclosure

Effective date: 4/23/2014

All costs are paid by borrower. Estimated closing costs, not including appraisal and escrow service, are based on non-owner-occupied, single family residences and vary from $204.50 to $704.50 plus a loan fee and a $45 document preparation fee; actual costs depend on loan amount and complexity and may be higher. Appraisal cost is estimated to be $450-$600 (higher value properties may cost more). Land value may not exceed 40% of the total value of collateral.

Title insurance, recording and flood determination fees apply. Property and, if applicable, flood insurance are required. No prepayment penalty. Subject to credit approval.

As Low As Rate Explanation
The "As Low As" rate shown reflects a Relationship Pricing Reduction of 0.25%. Relationship pricing may be earned by maintaining an automatic loan payment from a Home Federal Bank checking account for the loan term. All loans are subject to rate increases due to factors such as complexity, risk or other considerations. Relationship Pricing Reduction may never reduce the rate below the loan program rate floor, if applicable.

Home Equity Line of Credit

Draw Period Loan Amount Maximum Loan to Value As Low As Rate APR
120 months $10,000-$100,000 65% to 80%1 3.990% 3.990%

Line of credit annual percentage rate (APR) is variable and is based on the Prime Rate as published in the Wall Street Journal, plus a margin of 0.99%. The maximum rate is 18%. The minimum rate is 3.99% (requires automatic payment from a Home Federal Bank checking account). All loans include a $45 document preparation fee to be paid in cash at closing. If required, the following estimated fees may apply: ALTA title policy (borrower pays balance over $275); and a prepaid full appraisal ($450-$600). Subject to credit approval.

Minimum Payment Requirements: You can obtain advances of credit for 120 months (the “Draw Period”). During the Draw Period, payments will be due monthly. Your minimum periodic payment will be equal to: a) the greater of the accrued interest as of the closing date of each billing statement or $50.00, or b) the unpaid balance. After the Draw Period ends, you will no longer be able to obtain credit advances and must pay the outstanding balance over 120 months (the “Repayment Period”). Your minimum periodic payment during the Repayment Period will be determined based on the outstanding balance of your Account at the beginning of the Repayment Period and using the interest rate in effect at the beginning of the Repayment Period to calculate equal monthly payments which will fully amortize your Account.

View Disclosure

Effective date: 4/23/2014

APR effective as of date shown. Annual fee of $99 is waived the first year; thereafter, annual fee is assessed on anniversary date of loan. If loan is closed within the first three years, a prepayment penalty may apply. Property and, if applicable, flood insurance are required.

1Land value may not exceed 40% of total collateral value. Loan-to-Value is up to 80% on single-family, owner-occupied residences; up to 70% on owner-occupied second or vacation homes, townhouses, duplexes, tri-plexes, four-plexes or condos; and up to 65% on unique structures, including but not limited to log, dome or earthen homes and considered on a case-by-case basis.

NMLS ID: 402453

Home Equity Term Loan: Owner Occupied

Term Loan Amount Maximum Loan to Value As Low As Rate APR Monthly Payment
12 to 60 months $5,000-$100,000 80% 3.99% 4.385% $276.17
61 to 120 months $5,000-$100,000 80% 4.40% 4.608% $154.74
121 to 180 months $5,000-$100,000 80% 4.65% 4.797% $115.91

Monthly Payment for each Term is based on a $15,000 loan amount including a $100 loan fee and $45 document preparation fee. APR and Monthly Payment are for illustrative purposes only; the actual APR and Monthly Payment will vary depending on the amount borrowed and number of payments. Minimum monthly payment of $100 applies. Payments do not include amounts for taxes and insurance premiums. Your payment may be higher if loan is secured by a first lien. If loan is closed within the first three years, a prepayment penalty may apply. Subject to credit approval.

View Disclosure

Effective date: 4/23/2014

Annual Percentage Rate (APR) effective as of date shown above. Fixed Home Equity Loan interest rate may be higher due to factors such as complexity, risk or other considerations.

Estimated closing costs are based on owner-occupied, single family residences and vary from $279.50 to $304.50  not including appraisal and escrow service; actual costs depend on loan amount and complexity and may be higher. Bank will pay for cost of Restricted Use Appraisal; borrower must pre-pay cost of full appraisal if full appraisal is required. If needed, appraisal cost is estimated to be $450 to $600 (higher value properties may cost more). Property and, if applicable, flood insurance are required.  Home Federal Bank is currently absorbing all closing costs, except appraisal when required, on line amounts up to $100,000.

Loan-to-Value is up to 80% on single-family, owner-occupied residences; up to 70% on owner-occupied second or vacation homes, townhouses, duplexes, tri-plexes, four-plexes or condos; and 65% on unique structures, including but not limited to log, dome or earthen homes, and considered on a case-by-case basis. Land value may not exceed 40% of total collateral value.

As Low As Rate Explanation
The "As Low As" rate shown reflects a Relationship Pricing Reduction of 0.25%. Relationship pricing may be earned by maintaining an automatic loan payment from a Home Federal Bank checking account for the loan term. All loans are subject to rate increases due to factors such as complexity, risk or other considerations. Relationship Pricing Reduction may never reduce the rate below the loan program rate floor, if applicable.

Motorcycle and Other Vehicle Loans - New

Term Maximum
Loan to Value
Loan Amount As Low As Rate APR Monthly Payment
48 months 90% $2,500-$5,000 9.24% 10.803% $125.021
48 months 90% $5,001-$9,999 7.74% 8.765% $182.212
48 months 90% $10,000+ 6.74% 7.501% $238.293

Annual Percentage Rate (APR) and Monthly Payment are based on 48 month term and loan amount as follows:
1$5,000
2$7,500
3$10,000

All loans include a $100 loan fee and $45 document preparation fee. APR and Monthly Payment are for illustrative purposes only; the actual APR and Monthly Payment will vary depending on the amount borrowed. Additional fees may apply. Subject to credit approval.

View Disclosure

Effective date: 4/23/2014

APR effective as of date shown above. Loan amount for new small RVs is not to exceed 90% of purchase price from purchase order.

As Low As Rate Explanation
The "As Low As" rate shown reflects a Relationship Pricing Reduction of 0.25%. Relationship pricing may be earned by maintaining an automatic loan payment from a Home Federal Bank checking account for the loan term. All loans are subject to rate increases due to factors such as complexity, risk or other considerations. Relationship Pricing Reduction may never reduce the rate below the loan program rate floor, if applicable.

Motorcycle and Other Vehicle Loans - Used

Term Maximum Loan to Value Loan Amount As Low As Rate APR Monthly Payment
48 months 90% $2,500+ 10.74% 11.529% $257.26

Annual Percentage Rate (APR) and Monthly Payment are based on a $10,000 loan amount including a $100 loan fee and $45 document preparation fee. APR and Monthly Payment are for illustrative purposes only; the actual APR and Monthly Payment will vary depending on the amount borrowed and number of payments. Additional fees may apply. Subject to credit approval.

View Disclosure

Effective date: 4/23/2014

APR effective as of date shown above.

As Low As Rate Explanation
The "As Low As" rate shown reflects a Relationship Pricing Reduction of 0.25%. Relationship pricing may be earned by maintaining an automatic loan payment from a Home Federal Bank checking account for the loan term. All loans are subject to rate increases due to factors such as complexity, risk or other considerations. Relationship Pricing Reduction may never reduce the rate below the loan program rate floor, if applicable.

Personal Unsecured Term Loan

Term Loan Amount As Low As Rate APR Monthly Payment
36 mo $2,500-$25,000 14.74% 15.797% $345.49

Annual Percentage Rate (APR) and Monthly Payment are based on a $10,000 loan amount including a $100 loan fee and $45 document preparation fee. APR and Monthly Payment are for illustrative purposes only; the actual APR and Monthly Payment will vary depending on the amount borrowed and number of payments. Minimum monthly payment is $100. Additional fees may apply. Subject to credit approval.

View Disclosure

Effective date: 4/23/2014

APR effective as of date shown above.

As Low As Rate Explanation
The "As Low As" rate shown reflects a Relationship Pricing Reduction of 0.25%. Relationship pricing may be earned by maintaining an automatic loan payment from a Home Federal Bank checking account for the loan term. All loans are subject to rate increases due to factors such as complexity, risk or other considerations. Relationship Pricing Reduction may never reduce the rate below the loan program rate floor, if applicable.

Recreational Vehicle Loans - New

Term Maximum Loan to Value Loan Amount As Low As Rate APR Monthly Payment
48 months 80% $2,500-$49,999
$50,000+
5.50%
5.00%
6.236%
5.139%
$232.601
$1,151.622
60 months 80% $10,001-$49,999
$50,000+
5.74%
5.24%
6.348%
5.361%
$192.153
$949.102
120 months 80% $15,000-$49,999
$50,000+
5.99%
5.49%
6.205%
5.554%
$166.464
$542.472
180 months 80% 50,000+ 5.74% 5.785% $414.952

Annual Percentage Rate (APR) and Monthly Payment are for illustrative purposes and based upon the following:

1$10,000 loan amount for term shown
2$50,000 loan amount for term shown
3$10,001 loan amount for term shown
4$15,000 loan amount for term shown

All loans include a $100 loan fee and $45 document preparation fee. Additional fees may apply. The actual APR and payment will vary depending on the amount borrowed and number of payments. Subject to credit approval.

View Disclosure

Effective date: 4/23/2014

APR effective as of date shown above. Loan amount for new RVs not to exceed 80% of purchase price from purchase order.

As Low As Rate Explanation
The "As Low As" rate shown reflects a Relationship Pricing Reduction of 0.25%. Relationship pricing may be earned by maintaining an automatic loan payment from a Home Federal Bank checking account for the loan term. All loans are subject to rate increases due to factors such as complexity, risk or other considerations. Relationship Pricing Reduction may never reduce the rate below the loan program rate floor, if applicable.

Recreational Vehicle Loans - Used

Term Maximum Loan to Value Loan Amount As Low As Rate APR Monthly Payment
48 months 80% $2,500-$49,999
$50,000+
5.90%
5.40%
6.655%
5.554%
$234.421
$1,160.682
60 months 80% $10,001-$49,999
$50,000+
6.14%
5.64%
6.754%
5.765%
$194.023
$958.412
120 months 80% $15,000-$49,999
$50,000+
6.39%
5.89%
6.609%
5.957%
$169.514
$552.412
180 months 80% $50,000+ 6.14% 6.187% $425.772

Annual Percentage Rate (APR) and Monthly Payment are for illustrative purposes and based upon the following:

1$10,000 loan amount for term shown
2$50,000 loan amount for term shown
3$10,001 loan amount for term shown
4$15,000 loan amount for term shown

All loans include a $100 loan fee and $45 document preparation fee. Additional fees may apply. The actual APR and payment will vary depending on the amount borrowed and number of payments. Subject to credit approval.

View Disclosure

Effective date: 4/23/2014

APR effective as of date shown above. Loan amount for used RVs not to exceed 80% of the lower of NADA Trade-In Value or purchase price.

As Low As Rate Explanation
The "As Low As" rate shown reflects a Relationship Pricing Reduction of 0.25%. Relationship pricing may be earned by maintaining an automatic loan payment from a Home Federal Bank checking account for the loan term. All loans are subject to rate increases due to factors such as complexity, risk or other considerations. Relationship Pricing Reduction may never reduce the rate below the loan program rate floor, if applicable.