Limited time offer:

Interest Advantage Checking Special

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

Open a new checking account with direct deposit and earn: $50

*Must present coupon to redeem. Health Savings Accounts are not eligible for the $50 reward. Must not have been a HF checking account client in the last 12 months. Checking account minimum opening balance is $25. $50 reward will be credited to the account within 60 days of meeting the $100 direct deposit qualification. Qualifications must be met by 10/31/18 (direct deposit must clear by 12/31/2018). $50 reward will be reported as interest on IRS Form 1099-INT. $75 early closing fee will be charged by the bank if the account closes within the first 6 months. This offer is subject to change and may be withdrawn without notice. Member FDIC.

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.

$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 This offer is subject to change and may be withdrawn without notice.

PLATINUM PLUS

MONEY MARKET SPECIAL

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

*APY = Annual Percentage Yield. Information as of 08/01/18. $25,000 minimum opening deposit required. For special rate of 1.50% APY, a minimum of $100,000+ opening deposit is required, and 1.50% APY applies for six months from date of account opening, after which APY converts to current market rate. New money deposited with Home Federal at the Owatonna location only. 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 Pe rce ntage 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 maxim um construction loan term. Maxim um loan am ount is $1,000,000. Financial example : $250,000 loan, 12-month term , 11 monthly interest-only payments range from $0 to $415 with princip al and inte rest 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 10/31/2018. Offer is subject to change with out notice .