Limited time offer:

Interest Advantage Checking Special

Earn 2.02% APY* Interest on Your Balance + We’ll MATCH YOUR INTEREST for the First Year!

FREE

CONSUMER CREDIT REPORT

Offer is limited to one report per client, per year, and expires 12/31/18. Must present coupon to redeem.

Reduce your closing costs on a Home Federal first mortgage loan.

$250 OFF

Mortgage Loan Closing Costs*

*Must present coupon at time of application to receive $250 off closing costs on any new Home Federal residential first mortgage. Property must be owner-occupied. Refinances of existing Home Federal mortgages do not qualify. Not valid with any other offers. Expires 12/31/18.

CD SPECIAL

Limited time offer! Must open CD by December 31, 2018.

• 10 month CD Special 2.00% APY*
• Minimum balance to open is $5,000

Call today! 507.413.6420

*APY = Annual Percentage Yield. Accurate as of 8/1/18. Account must be opened by 12/31/18. A minimum opening balance of $5,000 is required. Available on new money deposited with Home Federal at the Owatonna location only. Cannot be combined with other CD offers. Penalty may be imposed for early withdrawal. Offer subject to change without notice. Member FDIC.

$25
REFER-A-FRIEND

or family member to open a new checking account and you'll receive $25 for each referral! (No limit!)

*Health Savings Accounts are not eligible. Referred party must not have been a HF checking account client in the last 12 months. $25 reward will be credited to the referring clients checking account within 60 days of their referrals checking account opening. Referred party must open their account by 6/30/19. Checking account minimum opening balance is $25. Account ownership styling and transaction authority may disqualify eligibility to receive the $25 reward. $25 reward will be reported as interest on IRS Form 1099-INT. This offer is subject to change and may be withdrawn without notice.

Med City Platinum

MONEY MARKET SPECIAL

1.75%APY*

No mimum opening deposit

No long-term requirement

Call today! 507.413.6420
1015 West Frontage Rd • Owatonna, MN 55060

*APY = Annual Percentage Yield. Information as of 11/01/18. New money deposited with Home Federal at the Eagan location only.  No minimum balance requirement. Interest rates and APYs are variable and may change after the account is opened. Fees could reduce earnings and other restrictions apply. This offer is subject to change and may be withdrawn without further notice.

Home Federal

Construction Loan

1.99% > 6.23% APR*

Interest Rate for 12 Months

• Simplified closing program takes care of construction financing
• Flexible construction terms including interest-only payments through construction maturity

Call today! 507.413.6420

*APR is Annual Percentage Rate. Construction rates shown are effective 07/01/2018. The interest rate of 1.99% is a limited-time offer for a new, single-family, owner-occupied construction loan. APR is 6.23%. 12-month maximum construction loan term. Maximum loan amount is $1,000,000. Financial example: $250,000 loan, 12-month term , 11 monthly interest-only payments range from $0 to $415 with principal and interest of $250,415 due at construction loan maturity. Payments do not include taxes and insurance (if applicable) and the actual payment obligation m ay be greater. Subject to normal credit criteria, other restrictions may apply. This is not a commitment to lend. Applications must be submitted by 12/31/2018. Offer is subject to change with out notice.