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Calculators >Helpful Tools >home
Mortgage Payment Calculator
Loan Payment Calculator
Savings Estimator Calculator
Debt Payoff Calculator
- How long will it take to pay off my credit card?
- What amount per month will it take to pay off my credit card?
Financial Calculators Disclaimer: The calculators are for limited informational purposes only. Home Federal Savings Bank does not guarantee the results of the calculators and the results depend upon your input. Financial decisions should not be made based solely on the results from these calculators. Always consult with your accountant or other professional advisors when making such decisions.
FDIC Insurance Calculator
Home Federal Savings Bank is an FDIC-insured institution, which means that your qualifying deposits are insured by the federal government. There are coverage limits and requirements that must be met.
To help you determine your insurance coverage, see the easy-to-use online FDIC tool called EDIE The Estimator below. To save time, have a list of your deposit accounts and the amount you have in each. If you have joint accounts or trust accounts that name beneficiaries, have those names, too. To evaluate business accounts, the business name and Employer Identification Number (EIN) will be required.
Free Credit Report
Maintaining a solid credit history is an important part of managing your finances. A good credit record can make future borrowing easier and help you qualify for lower interest rates. Three large credit reporting companies, Experian, Equifax, and TransUnion, compile credit reports on millions of individuals and make those reports available to businesses. Making sure the information in those reports is correct is important.
You're entitled to a free credit report once a year. To take advantage of this opportunity, visit this website – www.annualcreditreport.com. In addition, you can request copies of your credit report by contacting one of the three large credit reporting companies
- Experian 1-888-397-3742
- Equifax 1-800-997-2493
- TransUnion 1-800-888-4213
Do not be surprised if the reports are somewhat different from the different companies. Each company gets information from many sources. If you find the information in your file is inaccurate or unfair, you can take steps to correct it or at least get your side of the story attached to your file. If a creditor has made an inaccurate complaint, you can write to the creditor and insist the record be corrected. You should also write to the credit bureau and request their records be corrected.
To review the credit record of a business, contact Dunn & Bradstreet at 1-800-234-3867. There is a charge, but the information is useful. You can also order that information from their website.
Having an inaccurate credit report can cause problems at the worst possible times. Review your credit report annually, and make sure it is accurate. A solid credit record and an accurate credit report are valuable assets.