Bank Branches › Closed and merged banks › Pennsylvania › Homestead Savings Association
What happened to Homestead Savings Association?
Homestead Savings Association in Middletown, PA failed, and Homestead Federal Savings Association of Middletown, PA took it over on Aug 30, 1991. After 4 more changes of hands, what was Homestead Savings Association is today part of Manufacturers and Traders Trust Company (Buffalo, NY).
The chain, step by step
From the day it opened to the bank at the end of the chain today. Each step is one entry in the FDIC's record.
- 1920Homestead Savings Association opens in Middletown, PA
- Aug 30, 1991FAILEDHomestead Savings Association failed, and Homestead Federal Savings Association of Middletown, PA took it over.FDIC certificate 31588 ends; its business continues under certificate 33490.
- Apr 8, 1994RESOLVEDHomestead Federal Savings Association of Middletown, PA was closed in a federal resolution, and its business passed to Farmers Trust Company of Carlisle, PA.FDIC certificate 33490 ends; its business continues under certificate 2350.
- Sep 26, 1997MERGEDFarmers Trust Company (by then renamed Financial Trust Company) of Carlisle, PA merged into Chambersburg Trust Company of Carlisle, PA.FDIC certificate 2350 ends; its business continues under certificate 8417.
- Dec 31, 1998MERGEDChambersburg Trust Company (by then renamed Financial Trust Company) of Carlisle, PA merged into Keystone Financial Bank, National Association of Harrisburg, PA.FDIC certificate 8417 ends; its business continues under certificate 7712.
- Oct 7, 2000MERGEDKeystone Financial Bank, National Association of Harrisburg, PA merged into Manufacturers and Traders Trust Company of Buffalo, NY.FDIC certificate 7712 ends; its business continues under certificate 588.
- TodayOPEN
Manufacturers and Traders Trust CompanyMain office Buffalo, NY · FDIC certificate 588 · 957 offices in 14 states on June 30, 2026Every Manufacturers and Traders Trust Company office → Website on file with the FDIC: www.mtb.com
If you still have something from Homestead Savings Association
A lien that was never released
Homestead Savings Association failed on Aug 30, 1991, handled by the Resolution Trust Corporation, the agency that closed failed savings institutions from 1989 to 1995. The FDIC's lien-release page covers failed banks and savings and loans placed in FDIC receivership; it does not say how releases work for resolutions this old.
Call FDIC Resolution Inquiries at 888-206-4662 (8am–4pm Central, weekdays) and ask whether the FDIC holds this institution's receivership. Ask Manufacturers and Traders Trust Company as well: the chain above leads there. The FDIC's own instructions are at FDIC, Obtaining a Lien Release.
An old account, passbook or CD
When a healthy bank assumes a failed bank's deposits, insured depositors become its customers right away (here, Homestead Federal Savings Association). Start with Manufacturers and Traders Trust Company, and ask them to search under the name Homestead Savings Association.
This failure is older than the current federal rule on unclaimed deposits (mid-1993), so different rules apply. Search FDIC unclaimed funds search, search the unclaimed-property program of the state of the owner's last known address on the bank's records, and ask FDIC Resolution Inquiries at 888-206-4662 what applies to this institution.
A safe deposit box
The FDIC says that when a healthy bank assumes a failed bank's deposits, the branches usually reopen the next business day with box access. Today, ask Manufacturers and Traders Trust Company. A box abandoned for years may have been turned over to the state's unclaimed-property program.
Box contents are not covered by FDIC insurance.
Not sure this is your bank?
Many banks shared a name. Match the city and the years above against your paperwork, or search again with the town.
Credit unions were never FDIC-insured and are not in this record; the NCUA credit union lookup covers those. Banks that closed before about 1970 are not in the FDIC's list either.
One caution: banks also sell single branches. If the office you used was sold to a different bank along the way, the account went with the branch, not with this chain.
This page is drawn from FDIC records and federal guidance. It is not legal advice, and BankBranches is not a bank or a government office. More detail: lien releases · old passbooks and CDs · safe deposit boxes · unclaimed money.
Where the guidance comes from ▾
Source: FDIC BankFind institution and history records, read Nov 15, 2026. The FDIC's list covers banks that ended in about 1970 or later. Look up certificate 31588 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.