FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Rooted in Community. Focused on You.
Serving Carroll County since 1919 with trusted banking and lending solutions—here to help you buy a home, grow your business, or plan for what’s next.
Get personal attention and fast, in-house decisions from a team that truly knows our community.
Secure, simple, and designed with your lifestyle in mind—access your accounts wherever you are.
We’ve been committed to delivering neighborly service since 1919—and that hasn’t changed.
Home Savings & Loan Association of Carroll County is a federally chartered savings association that has been serving our community since 1919. We pride ourselves in offering friendly personalized service to our customers. We offer a variety of services including real estate loans, auto loans, certificates of deposit, IRA’s, checking accounts, savings accounts and safe deposit boxes.
This Board of Directors, management and staff are committed to making a positive difference in our communities where we live and work. We are involved in various civic activities and strive to help provide a better place for our customers to live and raise a family.
We invite you to stop by our office and see that while products and technology may change, the friendly service you will receive at Home Savings & Loan Association will always remain the same.
From your first checking account to saving for retirement, we’re here to help you reach your goals.
> Checking
> Savings
> Money Market
> CD’s & IRAs
> Online Banking
Whether you’re just getting started or expanding your operation, our business banking solutions are built for small-town entrepreneurs with big ideas.
> Checking
> Savings
> Money Market
> CD’s & IRAs
> Online Banking
When it’s time to make a big move—whether personal or professional—we’re ready with the loan you need and the service you deserve.
> Personal Loans
> Home Loans
> Business Loans
> Agriculture Loans
Meet Our Team
Decades of experience, one dedicated group—our people are the heart of our success.
We live here, we work here, and we give back here.
You’re not just a number to us—you’re a neighbor.
President
Vice-President
Vice-President
Compliance Officer
Home Lending With Us
Whether you’re purchasing your first home, refinancing your current one, or building the house of your dreams—we’re ready to help.
Purchasing a Home
Take the next big step with confidence. We offer flexible mortgage options, local decision-making, and personalized guidance to help you find a loan that fits your life and your budget.
Refinancing a Home
Lower your interest rate, shorten your term, or tap into your home’s equity. Our refinancing solutions are designed to help you save money or meet new financial goals—quickly and with ease.
Building a Home
Your dream home starts here. Our construction loans offer the financing you need to turn plans into progress. We’ll be with you from blueprint to move-in day—local, reliable, and ready to help.
Life happens—and we’re here when you need us. Whether you’re facing an issue, looking for extra security, or just have a question, our resources are designed to make banking easier, safer, and more convenient.
Starting something new is exciting—and we’re here to make it easy. Whether you’re opening an account, applying for a loan, or just exploring your options, we’ll walk you through every step with personal service and a hometown smile.
