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 Home Federal Bank of Tennessee Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: October 11, 2026
Home Federal Bank of Tennessee's top rates as of October 11, 2026 are 3.60% APY on its 270-365 DAYS 270 - 365 Day Jumbo CD, and 5.00% on its 5 / 1 ARM mortgage, according to rates verified by MonitorBankRates. Other Home Federal Bank of Tennessee CD rates include 180-269 DAYS 180 - 269 Day Jumbo CD at 3.50%, 90-179 DAYS 90 - 179 Day Jumbo CD at 3.50%, and 14-59 DAYS 14 - 59 Day Jumbo CD at 2.00%. Other Home Federal Bank of Tennessee mortgage rates include Mortgage - 15 Year Fixed at 5.50%, Mortgage - 20 Year Fixed at 5.75%, and Mortgage - 15 / 1 ARM at 5.75%. MonitorBankRates evaluates the financial stability of Home Federal Bank of Tennessee with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.75%. Rates last updated and verified on 10/11/2026. Home Federal Bank of Tennessee 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 Federal Bank of Tennessee? Share your experience about Home Federal Bank of Tennessee by leaving a review below, or read customer reviews before you decide to use Home Federal Bank of Tennessee. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Home Federal Bank of Tennessee CD Rates
Home Federal Bank of Tennessee Mortgage Rates
Home Federal Bank of Tennessee Home Equity & HELOC
Home Federal Bank of Tennessee Other Rates
Financial Health HistoryHome Federal Bank of Tennessee’s Texas Ratio fell from 13.35% in Q3 2023 to 12.75% in Q2 2026, so its financial health has held steady at a healthy level 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)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Home Federal Bank of Tennessee 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 Federal Bank of Tennessee 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 Federal Bank of Tennessee's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Home Federal Bank of Tennessee
FDIC Certificate #
29683
Address
515 Market St,
Knoxville, TN 37902 · Knox
Established
19360615
FDIC Insurance Date
19890809
Domestic Offices
23
Total Branches
23
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 94/100
5.0
Exceptional
Out of 5.0 Stars
12.75%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.3133%
Return on Equity (ROE)
1.8700%
Non-Performing Loans (NPL)
2.15%
Total Assets
$2,725,901,000
Total Deposits
$2,121,388,000
Equity Capital
$459,092,000
Net Income
$4,275,000
Headquarters
Knoxville
Total Branches and Offices
23
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Home Federal Bank of TennesseeHow many branches does Home Federal Bank of Tennessee operate?Home Federal Bank of Tennessee currently maintains approximately 23 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 Federal Bank of Tennessee 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 Federal Bank of Tennessee provides members with tools to manage their accounts and build a solid financial history. Does Home Federal Bank of Tennessee offer online and mobile banking?Most modern institutions like Home Federal Bank of Tennessee 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.homefederalbanktn.com. Compare to Other Banks
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