Disclosures

Terms of Usage Agreement, Copyright Notice and Disclosures

General Agreement between User and Home City Federal

Welcome to Home City Federal Savings Bank’s website. The www.homecityfederal.com website (“Site”) is made up of various web pages and is offered to all visitors (“Users”). This Site and any services provided by Home City Federal in connection with this Site are provided to you subject to the Terms of Usage Agreement that govern your usage of the Site. Please read these Terms of Usage Agreement carefully. By accessing this Site, you agree to be bound by these Terms of Usage as set forth and as amended by Home City Federal from time to time. We may modify this Agreement at any time for any reason. Modified terms are effective when they are posted to the Site. We are not responsible for notifying you when modifications to the Terms of Usage Agreement have been made.

Services

“Services” under these Terms of Usage Agreement include financial services for consumers and business. Services available via this Site are also governed by any other separate agreements that users may have with Home City Federal. In addition to banking services, Home City Federal may offer Users additional related information and services via links to other internet sites or third-party providers (“Providers”).

Use of Information

Any person is hereby authorized to view the information available from this web site for informational purposes only. No part of the information on this site can be redistributed, copied, or reproduced without prior written consent of Home City Federal Savings Bank.

Governing Laws

These Terms of Usage are governed by the laws of the United States of America and the laws of the State of Ohio.

Copyright Information

©2018 Home City Federal Savings Bank, All Rights Reserved
©2018 The Forms Group, Scottsdale, AZ All Rights Reserved

All information in this site is protected by a compilation copyright in the United States of America based on U.S. Copyright Law (17 U.S.C. sec.101 et seq) and International Copyright Laws and may not be reproduced in whole or in part. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this site.

Trademark Information

BankSITE® is a registered trademark of The Forms Group.

Disclaimer of Warranties

The information contained or accessed, and references to corporations, including their services and products, are provided “as is” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service. Use of any products, services or information on the Site is to be used at your own risk.

Descriptions of, or references to, products, services or publications within Home City Federal Savings Bank’s website does not imply endorsement of that product, service or publication. Home City Federal Savings Bank makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. Home City Federal Savings Bank specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

Home City Federal is not responsible for any losses, damages or incompatibility between the Site and any web browser, operating system, or device utilized or operated by the User. Home City Federal, our employees, officers, directors and shareholders, as well as BankSITE®, are not responsible for typographical errors or errors of omission. Changes may be periodically made to the information herein.

Privacy

Home City Federal does safeguard your information and records from unauthorized use and/or disclosure. Please see our Privacy Disclosure for additional information on how we protect the information you share with us.

Disclosures

Facts, data and other information presented on Home City Federal Savings Bank’s website pages are provided directly by Home City Federal Savings Bank.

Home City Federal Savings Bank, our employees, officers, directors and shareholders, as well as BankSITE®, are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.

Deposit information presented on the website of Home City Federal Savings Bank is in accordance with the Federal Reserves Truth in Savings Act (12CFR1030). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.

Loan information presented on the website of Home City Federal Savings Bank is in accordance with the Federal Reserve Truth in Lending Act (12CFR1026). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time.

Home Equity Loan Rate Disclosures:
Fixed Rate Home Equity Loan – Rates and terms subject to change. Normal underwriting guidelines apply. Standard fees at borrower’s expense.

Home Equity Line of Credit – Monthly Payments  – The fully indexed Annual Percentage Rate (APR) is Prime + 2% or 3% based on Loan To Value (LTV). [“Prime” means the prime rate as published in The Wall Street Journal.] The rate may increase or decrease. Appraisal or title insurance, if required, at borrower’s expense. Property insurance is required. Flood insurance may be required. Property must be owner-occupied. Normal underwriting guidelines apply. 

Mortgage Loan Rate Disclosures:
Fixed Rate – Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs.

Construction Loan – Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs.  Interest only payments during the construction period.

Adjustable Rate Mortgage – Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs. Your interest rate cannot  increase or decrease more than two percentage points at each adjustment.

NMLS Identification Numbers

Pursuant to the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act) of 2008, Home City Federal Savings Bank and all Mortgage Loan Originators (MLO) employed by Home City Federal Savings Bank  are registered with the Nationwide Mortgage Licensing System Registry (NMLS Registry).  A unique identifier (NMLS Number) has been assigned to Home City Federal Savings Bank and each MLO.  Home City Federal Savings Bank’s number is 746463.  Our MLOs are:

J. William Stapleton     NMLS #781714
Don E. Lyman              NMLS #781715
Peter E. Duffey            NMLS #781716
Cheryl L. Hesson         NMLS #368923

You are encouraged to use the NMLS Identification Number(s) to conduct additional research within the NMLS Consumer Access website.  NMLS Consumer Access is a free service for consumers which provides licensing information for mortgage lending institutions and individual loan originator.  You may access this service by visiting the NMLS Consumer Access website.