Personal Savings



Save Today For All Your Tomorrows.

Whether you want to save for a big purchase or just for a rainy day, Home State Bank has a complete range of savings accounts to fit your needs. A penny saved is a penny earned, start saving today.


Our Savings Accounts


Free Kasasa Saver®

Link your Kasasa Cash® or Kasasa Cash Back® checking account to this free account that pays a high rate and helps you save automatically.   Kasasa Cash and Kasasa Cash Back checking account holders have exclusive access to open this free account built to maximize Kasasa® checking rewards!  Click here to learn more.


Holiday Club Account

Spread your holiday expenses out across the year by putting aside a little each paycheck!  The Holiday Club Account matures on October 31 of each year.  Account-holders receive a check for the total balance plus accrued interest to spend how they wish. 


  • Avoid holiday-induced debt and stress.
  • Competitive interest on the entire balance.
  • No monthly service fee.
  • Make deposits anytime, in any amount you feel comfortable with, including direct deposit from your paycheck.
  • Entire account balance is automatically released via check or deposited into another account at Home State Bank the first week in November.
  • Digital banking, including Online banking and Mobile Banking.  

Ask how a Holiday Club Account can de-stress your holidays.  



Savings Accounts

Kids Club Savings


Money Market Savings

Opening Deposit




Minimum Balance
To Avoid A Service Charge




Service Charge
If Below Minimum

$5.00 per month or four week period

$5.00 per month or four week period

$10.00 per month or four week period


Variable Rate

Variable Rate

Variable Tiered Rate

Minimum Balance
To Earn Interest




eStatements Complimentary Complimentary Complimentary
Paper Statements Complimentary $3.00 per statement cycle Complimentary




Age Criteria

Yes, under 18





Disclosure: Additional fees may apply.  Account terms are subject to change.


Savings Account Options
All of our savings accounts include:

  • Complimentary Online Banking for 24-hour access.
  • Complimentary Mobile Banking gives you the freedom to access account information, transfer money, pay bills from a cell phone or mobile device.
  • Complimentary eStatements secure online, electronic versions of your account statements that you can view, search, save and print at your convenience.




Retirement Savings Account Options

Looking for short-term or long-term options to earn more competitive rates on your money? A Certificate of Deposit or an IRA with Home State Bank could be the right fit.

Certificate of Deposit

  • $2,500.00 Minimum Opening Deposit.
  • Automatic renewal standard for your convenience.
  • Maturity options as short as 91 days up to 36 months.
  • Ask about our rates and terms.

Individual Retirement Accounts

  • Traditional IRA is a tax-deferred personal retirement account. 
    • Annual contributions
    • Earnings grow tax-deferred
    • May receive a tax deduction for contributions


  • Roth IRA is an after-tax personal retirement account.
    • Allows you to invest after-tax dollars now.
    • Receive the growth of tax-deferred earnings
    • “Qualified withdrawals” of earnings may be made with no tax or penalty incurred. 
    • No mandatory distribution age.


Ask about our competitive rates and terms.


Call Home State Bank to find out the current rate information for Certificate of Deposits and IRA’s:
Willmar 320-231-1118; Cosmos 320-877-7211, Litchfield 320-593-2001 and Hutchinson 320-234-9988



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