PO BOX 310
Kulm, ND 58456
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.40% 1.20% →
1-Year CD 0.80% 1.10% →
2-Year CD 1.11% 1.15% →
5-Year CD 1.41% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Hometown is an NCUA insured institution located in Kulm, ND. It was founded in 1949 and has approximately $139.33 millions in assets.

NCUA Insured Yes
Charter Number # # 61648
Date Established 1949
Assets $139.33 million
Loans $116.08 million
Deposits $118.02 million
Capital $20.57 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 - August 4, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
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
Special: 3 Mo CD
0.50% $1,000 - Learn More
3 Mo CD
0.50% $10,000 $14,999 Learn More
3 Mo CD
0.50% $100,000 $199,999 Learn More
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
Special: 21 Mo CD
1.31% $1,000 - 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
Special: 42 Mo CD
1.61% $1,000 - 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
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 - August 4, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.930% 2.875% 0.75 $1,762 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

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


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:

Hometown Locations

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
20.01% 6.71

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 March 30, 2020, Hometown had $4,624,058 in non-current loans and $55,140 in owned assets. To cover these potential losses it had $20,569,914 in net worth and $2,814,942 in loans loss reserves. That gives it a Texas Ratio of 20.01%.

Net Worth
Hometown U.S. Average
14.76% 13.61%

Hometown FCU has a net worth of 14.76% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Hometown

Branches and Savings

What is Hometown?

A federal credit union, registered with the NCUA under certificate #61648.
Learn more about credit unions here.

Is Hometown FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Hometown?

Please see Field of Membership information above for information on who is eligible to join.

What are Hometown's share account and share certificate rates?

Hometown's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Hometown?

Hometown has total capital of $20.57 million. Full information on Hometown's financial position is located above.

Who owns Hometown?

Credit Unions are owned by their members.

Where are Hometown branches located?

See branch locations nearby.

Are Hometown ATMs Open 24/7?

Do Hometown ATMs accept cash deposits?

Can Hometown customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Hometown have a mobile app?

Does Hometown have mobile deposit?

Does Hometown have quick pay?

How can Hometown transfer money to other banks or credit unions?

Does Hometown report to credit bureaus?

Does Hometown use Chexsystems?

Does Hometown use Equifax?

What is Hometown's toll free phone number?

What is Hometown's ACH Routing Number?

What is Hometown's SWIFT code?

Where can I find Hometown's wire transfer form?

What is the Hometown address for deposits?

What Products Does Hometown Offer

Does Hometown offer mortgages?

Compare mortgage rates here.

Does Hometown offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Hometown offer auto and RV loans?

Compare auto loan rates here.

Does Hometown offer student loans or personal loans?

Compare personal loan rates here.

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