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...
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...
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