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 Home Federal S&L of Niles Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 11, 2026
Home Federal S&L of Niles's Certificates of Deposit 60-Month rates are at 2.37%, Certificates of Deposit 48-Month rates are at 2.32%, Certificates of Deposit 36-Month rates are at 2.17%, Certificates of Deposit 18-Month rates are at 2.07%, Certificates of Deposit 24-Month rates are at 2.07%. Home Federal S&L of Niles's savings rates are at 0.10%. Home Federal S&L of Niles's money market rates are at 0.15%. MonitorBankRates evaluates the financial stability of Home Federal S&L of Niles with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.03%. Rates were last updated on 04/11/2026. Home Federal S&L of Niles money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Home Federal S&L of Niles? Share your experience about Home Federal S&L of Niles by leaving a review below, or read customer reviews before you decide to use Home Federal S&L of Niles. 
Home Federal S&L of Niles CD Rates
Home Federal S&L of Niles Savings Rates
Home Federal S&L of Niles Money Market Rates
Home Federal S&L of Niles Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Home Federal S&L of Niles is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Home Federal S&L of Niles rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Home Federal S&L of Niles's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Home Federal S&L of Niles
Bank Holding Company
FIRST NILES FINANCIAL INC
Address
55 N Main St,
Niles, OH 44446 · Trumbull
Website
https://www.HomeFedNiles.com
FDIC Certificate #
28349
Established
01/01/1897
FDIC Insurance Date
08/09/1989
Domestic Offices
1
Total Branches
1
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
1.03%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.4797%
Return on Equity (ROE)
5.4200%
Non-Performing Loans (NPL)
0.08%
Total Assets
$156,223,000
Total Deposits
$88,504,000
Equity Capital
$16,946,000
Net Income
$893,000
Headquarters
Niles
Total Offices
1
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Home Federal S&L of NilesIs Home Federal S&L of Niles a safe place to deposit money?Yes, Home Federal S&L of Niles is considered a safe financial institution. With a Texas Ratio of 1.0320825666053%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Home Federal S&L of Niles operate?Home Federal S&L of Niles currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Home Federal S&L of Niles does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Home Federal S&L of Niles provides members with tools to manage their accounts and build a solid financial history. Does Home Federal S&L of Niles offer online and mobile banking?Most modern institutions like Home Federal S&L of Niles provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.HomeFedNiles.com. Current Home Federal S&L of Niles Rates
Retrieved from our database of financial products. Rates subject to change.
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