Helping you settle into your home

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With a welcoming smile and plenty of local expertise, our team at Newton Federal is ready to help you get settled in your new home whether you’re a new resident or a long-time local with a new address. We’re a community-minded bank with deep roots in Newton County. We strive to provide a better banking experience by pairing innovative products with hometown hospitality. We live here, work here, raise our children here and want you to be just as much a part of this community as we are.

We are honored to be your local banking solution. We were even voted as Best Bank by the Newton Citizen and Best Mortgage Lender by The Covington News. Our team is honored to have received these awards, and we continue to work hard to be worthy of these recognitions.

We offer wonderful banking services for those in our community. With account options ranging from Checking and Savings, to Money Markets, Certificates of Deposits,

Retirements and IRAs, our personal banking options are top-tier. We offer auto loans, mortgage loans, HELOCs and consumer loans for those looking for even more financial power.

With our community’s growth in recent years, we are ecstatic to see many more individuals and families choosing Newton County as their home. We’re proud of our hometown and all that it has to offer. Did you know that Newton County is home to 13 historical places, three rivers, two lakes, picturesque farmlands, shoals, campgrounds, historic ruins and more?

Ask anyone. Residents of Newton County love it here, and we’re pleased to be able to share our love of this area with you. We’ve even put together our own “Welcome to the Neighborhood” guide for residents who are looking for local places to shop, eat and things to do. Scan the QR code on our advertisement to see our favorite local spots.

One of our favorite things to do as a community bank is to reinvest wealth back into the community

6 signs you may need a new HVAC system

we serve. One of the ways we’re doing this is through our 2022 Newton Federal Cookbook. This is a collection of favorite recipes from our employees and local restaurants. You can purchase one for yourself from any team member or in one of our branches. All proceeds are being donated to the Covington Food Pantry.

As we gear up for our 2023 Newton Federal Cookbook, we are accepting community recipe submissions. Want more information, to buy a copy, or submit your own recipe for the 2023 Cookbook? Visit us online at NewtonFederal. com/Cookbook.

Be on the lookout as we roll out a couple of new campaigns including a Rewards Visa debit card offering cardholders discounts around town, and Bumper Buck$ allowing customers to win cash prizes by displaying a car bumper magnet. Subscribe to our email list to receive news and updates from our team. Just go to our website, scroll all the way to the bottom, fill in your email address in the field, and click “Subscribe Now.”

There’s no place like home, especially when that home is a comfortable safe haven. One of the ways residents find comfort in their homes is by maintaining the right indoor temperatures, which fluctuate along with the seasons. While there is much to be said about opening windows and doors to let Mother Nature do her thing, indoor comfort is often maintained with an HVAC system.

HVAC stands for Heating, Ventilation and Air Conditioning. It can include heat pumps, furnaces and air conditioning units. It is an automated system that works by adjusting a thermostat to regulate air temperature, and sometimes humidity, in the home. According to Enviguard, a commercial contracting provider, HVAC systems also may be used to improve indoor air quality through filtration and oxygen replacement.

As with any mechanical device, an HVAC system has a life span that must be considered. Should any of the following six conditions be present, it is likely time to consult with an HVAC technician to see if repairs or replacement of the entire system is warranted.

1. Age

If the HVAC system is more than 10 years old, it could be time to begin budgeting for a new unit. Many modern, efficient systems may last 12 to 14 years with routine maintenance. But it’s good to keep an HVAC system’s age in mind so you can readily recognize when it might start to fail.

2. Longer or constant running times

An efficient, properly working system will quickly heat or cool the home and then turn off. A system that is turning on repeatedly or having to run for a while before the set temperature is reached could be nearing the end of its utility.

3. Strange noises

Groaning, banging or loud humming noises should be addressed. While these noises may indicate that certain components need maintenance or replacement, they also could be symptoms of age and a system nearing failure.

4. Frequent repair visits

Knowing the HVAC company’s repair person by name is a sign that the system has required too much work in recent months. Repeated issues and repairs are probably signs that it’s to consider a system replacement.

5. Higher bills

If you encounter “sticker shock” when receiving high electricity or gas bills, that likely means the HVAC system isn’t working efficiently and might need to be replaced.

6. Poor indoor air quality

If the home is dusty or humid or even if allergies seem to have cropped up out of nowhere, this could indicate a poorly functioning HVAC system.

HVAC systems are vital to keeping indoor environments comfortable and safe. Such systems may exhibit certain signs that indicate they need to be replaced.

Call ACS for your HVAC service.