Hometown Credit Union

Headquarters

Po Box 310
Kulm, ND 58456
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.40% 1.15% →
1-Year CD 0.80% 1.50% →
2-Year CD 1.11% 2.86% →
5-Year CD 1.41% 3.21% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Hometown is an NCUA insured institution located in Kulm, ND. It was founded in 1949 and has approximately $173.81 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 61648
Date Established 1949
Assets $173.81 million
Loans $135.13 million
Deposits $148.68 million
Capital $24.16 million
 

Field of Membership Restrictions

Hometown Credit Union of North Dakota is open to every resident that lives within a 75-mile distance of the Kulm office and 50-miles of the Hazelton office in any direction. The full detailed list of exact cities and/or counties can be obtained through the credit union website for determining your precise eligibility status.

Deposit Rates - May 28, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.40% $2,500 $4,999 Learn More
Money Market
0.40% $2,500 $2,999 Learn More
Money Market
0.45% $10,000 $14,999 Learn More
Money Market
0.45% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.60% $10,000 $14,999 Learn More
6 Mo CD
0.60% $100,000 $199,999 Learn More
12 Mo CD
0.80% $10,000 $14,999 Learn More
12 Mo CD
0.80% $100,000 $199,999 Learn More
18 Mo CD
1.01% $10,000 $14,999 Learn More
18 Mo CD
1.01% $100,000 $199,999 Learn More
24 Mo CD
1.11% $10,000 $14,999 Learn More
24 Mo CD
1.11% $100,000 $199,999 Learn More
30 Mo CD
1.16% $10,000 $14,999 Learn More
30 Mo CD
1.16% $100,000 $199,999 Learn More
36 Mo CD
1.21% $10,000 $14,999 Learn More
36 Mo CD
1.21% $100,000 $199,999 Learn More
48 Mo CD
1.31% $10,000 $14,999 Learn More
48 Mo CD
1.31% $100,000 $199,999 Learn More
60 Mo CD
1.41% $10,000 $14,999 Learn More
60 Mo CD
1.41% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
2.00% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.20% $2,500 $3,499 Learn MoreShow Less

Loan Rates - May 28, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for HOMETOWN

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
CashCall Mortgage
NMLS ID: 128231
5.088% 5.000% 1.00 $2,500 $1,343 Learn More
Rocket Mortgage
NMLS ID: 3030
5.761% 5.625% 1.00 $3,750 $1,440 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
3.490 %
After Intro: 4.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to HOMETOWN
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Hometown branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Hometown Locations



Climate Initiatives

HOMETOWN is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Hometown Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Hometown. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Hometown U.S. Average
7.41% 4.85

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2021, Hometown had $1,211,535 in non-current loans and $834,952 in owned assets. To cover these potential losses it had $24,160,200 in net worth and $3,454,746 in loans loss reserves. That gives it a Texas Ratio of 7.41%.

Net Worth
Hometown U.S. Average
13.9% 12.36%

Hometown FCU has a net worth of 13.9% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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