We Make it Happen

Local Banking

As large banks with out-of-state headquarters take over local institutions, corporate standardization can limit your options and harm your banking connection. Banks based in other parts of the state, or country, send more of your money away from the area so less goes back to work in our community.

There are several advantages to consolidating your banking at a local, community bank:

  • Easy access to decision-makers
  • A stronger banking relationship
  • The convenience of having the accounts in one place
  • The satisfaction of knowing your deposits benefit the local economy

Home Savings Bank has maintained an “outstanding” Community Reinvestment Act (CRA) rating since 1997 for our efforts in meeting the credit needs of Dane County. We earn this rating, in part, by making the majority of our loans in Dane County. We have a 125-year history here and our commitment to this area and its people remains strong.

Home Savings Bank understands that your needs are best served when decisions are made locally, by a banker who understands your situation and knows this community. Contact us to learn how we can take care of your banking needs. Locally.


They wanted a log home in the woods.

The Gilbertsons found a property that met their needs perfectly, but knew that banks often frown on log homes. Home Savings Bank came through with the financing in record time.

They needed a stronger line of credit.

Olympic Village condos are life lease properties, and while the arrangement is popular with residents, it’s difficult for most bankers to appreciate. Home Savings Bank made sure Independent Living had the funding it needed.

They wanted a banker who understood the need.

Housing Initiatives provides a permanent home for those who have been chronically homeless and have a mental illness. A loan from Home Savings Bank helped build the housing that ended Garfield’s homelessness and gave him a quiet, peaceful life.

She wanted to protect her family's land.

Nan Fey needed a bank that shared her vision of a conservation easement for a special property in the Driftless Area. Home Savings Bank came through with the financing.

When it comes to serving the unique credit needs of local people, we make it happen. Locally.