The Home Federal Bank is a personal credit card from Home Federal Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 17.99% to 28.24% variable, based on the Prime Rate after a 0% introductory APR for purchases and balance transfers introductory rate. Signup bonus: 2,500 bonus points after first purchase. Rewards: 1.5X points per $1 spent on all eligible purchases. Cash back: 2,500 bonus rewards points awarded after first purchase. This product reports activity to your personal credit report.