Recent Blog Posts
How Is Interest Accrued—And Why It Matters
Posted On: September 18, 2026 by Home State Bank in: Home Mortgage, Personal Banking
When taking out a personal loan, mortgage, or any form of credit, most people focus on the interest rate. However, understanding how interest accrues—and how it affects your balance over time—is just as important. It’s the key to avoiding costly surprises and making informed financial decisions.
While the interest rate—often presented as an annual percentage rate (APR)—indicates the cost of borrowing, accrued interest refers to the amount...
Building Credit at Any Age
Posted On: August 17, 2026 by Home State Bank in: Personal Banking
Building credit is an important part of personal financial management. While it takes time, it’s never too late to build good credit so you can have more financial opportunities, like taking out loans, credit cards, or receiving lower interest rates.
There’s more than one type of credit, just as there’s more than one type of way you can build credit. Understanding both the types and ways you can build credit will make it easier to determine how you should...
Building An Emergency Fund at Any Age
Posted On: July 18, 2026 by Home State Bank in: Personal Banking
While many people understand the importance of having an emergency fund, nearly three in four Americans (73 percent) are saving less for emergency expenses due to inflation, rising prices, elevated interest rates, or a change in income or employment. 1
In the past year, 37% of U.S. adults needed to use their emergency savings at some point in the last 12 months. Eighty percent of those people used the money for essentials, and 48% of these individuals earned between...
How to Stay Organized for Tax Season
Posted On: February 9, 2026 by Home State Bank in: General
Regardless of which you are, you’re not alone, and many are likely in the latter category. Life happens no matter how good our intentions. But to make tax season a little easier, we’ve compiled some organizational tips to help you now (or next...
Smarter Savings Accounts
Posted On: January 12, 2026 by Home State Bank in: Personal Banking
When people think of savings, they usually think of long-term goals, such as an emergency fund, car or home down payment, etc. However, many people overlook the benefits of savings accounts for short-term goals.
Many financial institutions offer savings accounts for specific goals. Why should you consider opening one of these? First, having a particular goal helps people save. When you’ve identified what you’re saving for, you’re more apt to contribute because...
Can You Spot a Scam?
Posted On: November 20, 2025 by Home State Bank in: Personal Banking
Every day, thousands of people fall victim to fraudulent emails, texts and calls from scammers pretending to be their bank, a loved one, the government or law enforcement. And in this time of expanded use of online and mobile banking, the problem is only growing. In fact, the Federal Trade Commission’s report on fraud estimates that American consumers lost a staggering $12.5 billion to phishing scams and other fraud in 2024 — an increase of 25% over 2023.
These...
Teaching Kids About Money Management
Posted On: June 18, 2025 by Home State Bank in: Personal Banking
As summer rolls around kids are usually excited to earn (or spend) money. From lemonade stands to summer jobs, it’s always great to see their desire for earning money. And with that drive, it’s also a great time to enforce good financial habits, like saving.
Here’s some quick tips on how to support and teach your children about savings.
Younger Children (Ages 4-6)
At this age, visual learning is the best. While every kid likely...
5 Tips for Successful First Time Home Ownership
Posted On: June 12, 2025 by Home State Bank in: Home Mortgage
Owning a home is a great investment, but if it’s your first time, it can seem overwhelming. Having a plan and knowing what to consider is the first step to successful home ownership. Before you begin scouring real estate sites, consider these important steps so you can find exactly what you want, within your budget.
1. Know Your Credit Score
Before anything, you’ll want to check your credit score, which can help you secure better loan options....
Don't Take the Bait
Posted On: April 25, 2025 by Home State Bank in: General, Personal Banking
Cyber attackers are constantly looking for ways to access financial institutions and the biggest most popular entry point is through email. Cyber attackers are targeting the email accounts of people you know, like or trust at entities such as trade associations, vendors, auditors and regulators. Taking over an email account of an individual at one of these entities allows the attacker to send malicious emails that are actually from the email account of the individual’s account...
Avoid Phishing Messages This Holiday Season
Posted On: December 20, 2024 by Home State Bank in: Community, Personal Banking
During the holiday season, you might expect to get more deliveries. Some might even be surprise gifts. Scammers are counting on that when they send fake delivery notifications to you by email and text, hoping you'll click. Here's how to spot these scams.
You get an email or text saying you missed the delivery. Or it might say your item can't be delivered because you need to update your street address or zip code. Sometimes, these scammers create a sense of urgency...