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Home Loan SB Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: September 19, 2026
Home Loan SB's 5-Month Certificate SPECIAL rates are at 4.05%, 12-Month Certificate SPECIAL rates are at 3.95%, 12-Month IRA Certificate SPECIAL rates are at 3.95%, 24-35-Month Certificate rates are at 3.65%, 24-35-Month IRA Certificate rates are at 3.10%. Home Loan SB's savings rates are at 0.01%. MonitorBankRates evaluates the financial stability of Home Loan SB with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.57%. Rates last updated and verified on 09/19/2026.
Home Loan SB 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 Loan SB? Share your experience about Home Loan SB by leaving a review below, or read customer reviews before you decide to use Home Loan SB.
Home Loan SB has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Home Loan SB has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
4.57%
ExcellentLower than avg
Home Loan SB Texas Ratio
Home Loan SB's Texas Ratio is 4.57%, which is considered excellent and is lower than the national average of 5.85%.
Home Loan SB has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.58% to 4.57% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsBalance: $0.01 - $50,000.00; 0.25% on balances over $50,000 depending on balance in the account. Qualifications Required; 12 debit card purchases post and settle; Be enrolled in eStatements; Access online banking at least one time during the qualification cycle
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
IRA Savings Account
0.10%
0.10%
Min Balance$50,000
DetailsBalance: $50,000+
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
money market savings
0.10%
0.10%
Min Balance$1,000,000
DetailsBalance: $1,000,000+
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
PLATINUM SAVINGS
0.10%
0.10%
Min Balance$250,000
DetailsBalance: $250,000+
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
premier money market savings
0.10%
0.10%
Min Balance$100,000
DetailsBalance: $100,000 and >
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
IRA Savings Account
0.07%
0.07%
Min Balance$25,000
DetailsBalance: $25,000 to $49,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
money market savings
0.07%
0.07%
Min Deposit$5
Min Balance$25
DetailsBalance: $25 or more
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
PLATINUM SAVINGS
0.07%
0.07%
Min Balance$100,000
DetailsBalance: $100,000 to $249,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
STATEMENT & passbook SAVINGS
0.07%
0.07%
Min Deposit$50
Min Balance$100
DetailsBalance: $100 or more
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
health savings account
0.05%
0.05%
Min Deposit$50
Min Balance$500
DetailsBalance: $500+
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
IRA Savings Account
0.05%
0.05%
Min Deposit$500
Min Balance$500
DetailsBalance: $500-$4,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
IRA Savings Account
0.05%
0.05%
Min Balance$5,000
DetailsBalance: $5,000 to $24,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
money market savings
0.05%
0.05%
Min Balance$50,000
DetailsBalance: $50,000 to $999,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
PLATINUM SAVINGS
0.05%
0.05%
Min Balance$50,000
DetailsBalance: $50,000 to $99,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
premier money market savings
0.05%
0.05%
Min Balance$50,001
DetailsBalance: $50,001 to $100,000.99
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
STATEMENT & passbook SAVINGS
0.05%
0.05%
Min Deposit$0
Min Balance$1
DetailsBalance: $1.00 or more
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
money market savings
0.03%
0.03%
Min Balance$25,000
DetailsBalance: $25,000 to $49,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
PLATINUM SAVINGS
0.03%
0.03%
Min Deposit$10,000
Min Balance$0
DetailsBalance: $0 to $9,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
PLATINUM SAVINGS
0.03%
0.03%
Min Balance$10,000
DetailsBalance: $10,000 to $49,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
premier money market savings
0.03%
0.03%
Min Balance$25,001
DetailsBalance: $25,001 to $50,000.99
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
money market savings
0.02%
0.02%
Min Balance$10,000
DetailsBalance: $10,000 to $24,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
premier money market savings
0.02%
0.02%
Min Deposit$500
Min Balance$10,001
DetailsBalance: $10,001 to $25,000.99
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
money market savings
0.01%
0.01%
Min Deposit$2,500
Min Balance$500
DetailsBalance: $500 to $9,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
Home Loan SB Money Market Rates
Product
Rate
APY
View More
money market savings
0.10%
0.10%
Min Balance$1,000,000
DetailsBalance: $1,000,000+
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
premier money market savings
0.10%
0.10%
Min Balance$100,000
DetailsBalance: $100,000 and >
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
money market savings
0.07%
0.07%
Min Deposit$5
Min Balance$25
DetailsBalance: $25 or more
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
money market savings
0.05%
0.05%
Min Balance$50,000
DetailsBalance: $50,000 to $999,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
premier money market savings
0.05%
0.05%
Min Balance$50,001
DetailsBalance: $50,001 to $100,000.99
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
money market savings
0.03%
0.03%
Min Balance$25,000
DetailsBalance: $25,000 to $49,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
premier money market savings
0.03%
0.03%
Min Balance$25,001
DetailsBalance: $25,001 to $50,000.99
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
money market savings
0.02%
0.02%
Min Balance$10,000
DetailsBalance: $10,000 to $24,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
premier money market savings
0.02%
0.02%
Min Deposit$500
Min Balance$10,001
DetailsBalance: $10,001 to $25,000.99
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
money market savings
0.01%
0.01%
Min Deposit$2,500
Min Balance$500
DetailsBalance: $500 to $9,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
Home Loan SB Checking Rates
Product
Rate
APY
View More
360 Cash checking
2.48%
2.50%
Min Deposit$50
Min Balance$0
DetailsBalance: $0 - $24,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
NEwPreferred rewards Checking
2.48%
2.50%
Min Deposit$50
Min Balance$0
DetailsBalance: $0 - $24,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
Preferred Rewards Checking
-
2.50%
Min Deposit$50
DetailsQualifications Required: 2.50% APY on balances up to $25,000, 0.25% APY on portion of balance over $25,000, 0.05% APY on entire balance if qualifications are not met; Earns Interest: *Yes 2.50% APY on balances up to $25,000, 0.25% APY on portion of balance over $25,000, 0.05% APY on entire balance if qualifications are not met; Minimum Balance to Avoid Service Charge: N/A; Monthly Service Charge: $6.95; Per Check Withdrawal Charge: No; Online Banking Access: Yes; Online Bill Pay Fee: Free; "Auto Teller" Telephone Banking at No Charge: Yes; Monthly Statement with Check Safekeeping: Yes; Home Loan Checks Provided at No Charge: No; Debit Card: Yes; Cashier Checks at No Charge: No; Fees charged for withdrawals from non-Home Loan ATMs**: Yes; Annual Fee Waived on Overdraft Protection: No; Small Safe Deposit Box Annual Fee: $50; Incoming Wire Transfers: $20; Can an Individual Open This Account?: Yes; Can a Business Open This Account: No; Can a Non-Profit Open This Account: No
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
360 Cash checking
1.25%
1.25%
Min Deposit$50
Min Balance$0
DetailsBalance: $0 - $25,000
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
360 Cash checking
0.25%
0.25%
Min Balance$25,000
DetailsBalance: $25,000+
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
NEwPreferred rewards Checking
0.25%
0.25%
Min Balance$25,000
DetailsBalance: $25,000+
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
360 Cash checking
0.05%
0.05%
Min Balance$0
DetailsAll balances if qualifications are not met
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
NEwPreferred rewards Checking
0.05%
0.05%
Min Balance$0
DetailsAll balances if qualifications are not met
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
OPTIMUM CHECKING
0.05%
0.05%
Min Deposit$10,000
Min Balance$250,000
DetailsBalance: $250,000+
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
OPTIMUM CHECKING
0.03%
0.03%
Min Deposit$10,000
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
OPTIMUM CHECKING
0.03%
0.03%
Min Deposit$10,000
Min Balance$100,000
DetailsBalance: $100,000 - $249,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
OPTIMUM CHECKING
0.02%
0.02%
Min Deposit$10,000
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
Free Checking plus interest
0.01%
0.01%
Min Deposit$50
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
hometown checking
0.01%
0.01%
Min Deposit$50
Min Balance$500
DetailsBalance: $500+
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
OPTIMUM CHECKING
0.01%
0.01%
Min Deposit$10,000
Min Balance$0
DetailsBalance: $0 - $24,999
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
rewards checking
0.01%
0.01%
Min Deposit$100
Min Balance$500
DetailsBalance: $500+
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
Home Loan SB Other Rates
Product
Rate
Points
APY/APR
Term
View More
360 Cash Checking
-
-
2.50%
Min Deposit$50
DetailsQualifications Required: 2.50% APY on balances up to $25,000, 0.25% APY on portion of balance over $25,000, 0.05% APY on entire balance if qualifications are not met; Earns Interest: *Yes 2.50% APY on balances up to $25,000, 0.25% APY on portion of balance over $25,000, 0.05% APY on entire balance if qualifications are not met; Minimum Balance to Avoid Service Charge: $100 daily balance; Monthly Service Charge: $2; Per Check Withdrawal Charge: No; Online Banking Access: Yes; Online Bill Pay Fee: Free; "Auto Teller" Telephone Banking at No Charge: Yes; Monthly Statement with Check Safekeeping: Yes; Home Loan Checks Provided at No Charge: No; Debit Card: Yes; Cashier Checks at No Charge: No; Fees charged for withdrawals from non-Home Loan ATMs**: Yes; Annual Fee Waived on Overdraft Protection: No; Small Safe Deposit Box Annual Fee: $50; Incoming Wire Transfers: $20; Can an Individual Open This Account?: Yes; Can a Business Open This Account: No; Can a Non-Profit Open This Account: No
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
Kasasa Cash Checking
2.00%
-
2.02%
Min Deposit$50
Min Balance$0
DetailsBalance: $0 - $25,000
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
Kasasa Cash Checking
0.05%
-
0.05%
Min Deposit$50
DetailsAll balances if qualifications are not met
Last Updated09/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.57%
Financial Health History
Home Loan SB’s Texas Ratio rose from 2.58% in Q3 2023 to 4.57% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$387M
4.57%
5.0
A+
March 31, 2026
$383M
2.63%
5.0
A+
December 31, 2025
$376M
5.75%
5.0
A+
September 30, 2025
$370M
7.39%
5.0
A
June 30, 2025
$361M
4.41%
5.0
A+
March 31, 2025
$352M
4.76%
5.0
A+
December 31, 2024
$344M
2.23%
5.0
A+
September 30, 2024
$342M
4.79%
5.0
A+
June 30, 2024
$331M
1.49%
5.0
A+
March 31, 2024
$311M
2.77%
5.0
A+
December 31, 2023
$302M
2.13%
5.0
A+
September 30, 2023
$298M
2.58%
5.0
A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Home Loan SB 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 Loan SB 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 Loan SB's official website for the most current offers and terms.
Bank Profile & Overview
Institution NameHome Loan SB
Bank Holding CompanyHOME LOAN FINANCIAL CORP
Address
413 Main St,
Coshocton, OH 43812 · Coshocton
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Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Home Loan SB
How many branches does Home Loan SB operate?
Home Loan SB currently maintains approximately 5 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 Loan SB 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 Loan SB provides members with tools to manage their accounts and build a solid financial history.
Does Home Loan SB offer online and mobile banking?
Most modern institutions like Home Loan SB 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.homeloansavingsbank.com.
Current Home Loan SB Rates
12-Month CD0.35%
24-Month CD0.50%
36-Month CD3.10%
48-Month CD0.55%
60-Month CD0.65%
Savings0.01%
Retrieved from our database of financial products. Rates subject to change.