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 No annual fee. The ongoing APR is 18.24% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. (terms accurate as of 10/2026) after a 0% introductory APR on purchases for the first 12 billing cycles; 0% introductory APR on balance transfers for the first 12 billing cycles for balances transferred within 366 days from account opening introductory rate. Rewards: 3% cash back on all purchases for the first 12 billing cycles (up to $20,000), then 1.5% cash back on all purchases; 5% cash back on prepaid hotel and car reservations booked directly in the Travel Center. Loan terms: Revolving credit card; due date 24-30 days after the close of each billing cycle; no interest on new purchases if the entire balance (or Plan Adjusted Balance) is paid in full by the due date each month; interest on cash advances and balance transfers from the transaction date; optional Card ExtendPay fixed-payment plans.