Rooted in Community. Focused on You.

YOUR HOMETOWN LENDING PARTNER

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.

Home Mortgages

Get personal attention and fast, in-house decisions from a team that truly knows our community.

Mobile Banking

Secure, simple, and designed with your lifestyle in mind—access your accounts wherever you are.

Customer Service

We’ve been committed to delivering neighborly service since 1919—and that hasn’t changed.

About Us

WHY BANK WITH US?

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.

Personal Banking

Banking That Fits Your Life

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

Business Banking

Backing Local Business, Every Step of the Way

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

Loan Solutions

Smart Lending, Small-Town Service

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

WHAT SETS US APART FROM THE REST

Long-Tenured Team

Decades of experience, one dedicated group—our people are the heart of our success.

Community-Focused

We live here, we work here, and we give back here.

Customer Service

You’re not just a number to us—you’re a neighbor.

Kenneth R Brown

President

Julie McClure

Vice-President

Sam Kruse

Vice-President

Diana Smith

Compliance Officer

Home Lending With Us

THE START OF SOMETHING BEAUTIFUL

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.

Our Resources

HOW ELSE CAN WE HELP YOU?

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.

Let’s Get You Set Up!

THE START OF MANY BEAUTIFUL THINGS

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.