550 17th Street NW

Washington, DC 20429-9990



Notice of Expiration of the Temporary Full FDIC Insurance Coverage for Noninterest-bearing Transaction Accounts

By operation of federal law, beginning January 1, 2013, funds deposited in a non-interest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to thestandard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.


The term ”noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest.  It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.


For more information about temporary FDIC insurance coverage of transaction accounts, visit









Loans & Mortgages



Receiving a loan at HHSB is a “personal” experience. All loan decisions are made locally and promptly with our loan officers focused on developing a personal relationship with you. We believe this approach will lead to better and more reliable feedback, advice and loan structures custom designed to meet your income and cash flow. If you are looking to purchase a home, make home improvements, purchase your next vehicle or have another need, HHSB is the place to start. We also offer a wide array of business loan products to help local businesses grow. Call for an appointment today.


Vehicle Loans


Our auto rates are extremely competitive.   In addition to great rates, our documentation fee is extremely low as compared to many other banks.  When comparing auto rates, always ask for the lender’s documentation fee to ensure you know the true costs.   Horner Pontiac Buick, Kenny Vice Ford, and York Dodge Chrysler Jeep can arrange for financing your auto purchases with us at the same low rates that we would offer you if you came directly to us.  If shopping at any of these dealerships, you should ask them to send your application for credit to

 Hoosier Heartland State Bank so you too can experience the HHSB difference.


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Unsecured Personal Loans


Whether you're planning a vacation, considering a consolidation loan or need Christmas money, HHSB is ready to help. Before charging it on a high interest credit card, ask your loan officer if we can save you money!


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Consumer Loan Application


Once you have downloaded the application simply fill-in all the fields on your computer. Then print it off, sign and date it, and turn it into your local branch. For security purposes please do not e-mail the application.


 Consumer Loan Application   


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Mortgage Loans


Great rates, flexible terms and the same personal service you have come to expect from your local community bank. All mortgage loans are serviced in house which means you will never have to deal with another financial institution regarding your account.



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Home Equity Lines of Credit (HELOC)


Get the cash you need when you need it. A HELOC account is a line of credit that allows you to access the equity you have in your home. It is a low cost alternative and the interest is usually tax deductible (consult your tax advisor for verification and details). With no closing costs, this is a very good account to have in reserve for emergency borrowing. HELOC’s make borrowing as easy as writing a check!


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 Commercial Loans

We’re proud to be a Montgomery County native business that understands the hard work required of local business owners to compete in your respective markets.  We still believe good business begins with a relationship.  We take your business needs very personally and pride ourselves in offering local businesses the same quality service that has allowed us to serve local businesses in this community for over 100 years.  Whether you’re a new

business start-up or an established business looking to expand, purchase equipment or

simply need a revolving line of credit, our loan officers will take the time to know your

business, carefully guide you through the lending process and provide a prompt response

to your loan inquiry.  We believe you will find business banking with us extremely

refreshing and personal. 


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 Agricultural Loans


We still believe that the family farm is the foundation of our community. Our bank has deep roots in farming and our personal attention to our farm customers reflects this. If you need money to put out a crop, purchase livestock or equipment, or need an operating line of credit we will be glad to help. Your long term success is our success!


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HHSB Credit Cards

If you have a need for temporary funds then HHSB’s Visa/Mastercard program may be right for you. We offer a stable interest rate (9.96% APR since 1993) so our customers don’t have to fear rate hikes, teaser rates, etc. Plus, you have the knowledge that your credit card loan is owned by your local financial institution. If you ever have a problem or an error, you will find that it makes a world of difference!


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Loan Calculator

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