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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Hometown Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Hometown Credit Union's 6 month CDs rates are at 3.80%, 65 month CDs rates are at 3.70%, 12 month Youth CDs rates are at 3.55%, 24 month CDs rates are at 3.55%, 30 month CDs rates are at 3.55%. MonitorBankRates evaluates the financial stability of Hometown Credit Union with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 19.78%. Rates were last updated on 04/19/2026. Hometown Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Hometown Credit Union? Share your experience about Hometown Credit Union by leaving a review below, or read customer reviews before you decide to use Hometown Credit Union. 
Hometown Credit Union CD Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Hometown Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Hometown Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Hometown Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Hometown Credit Union
Website
https://www.hcuonline.com
Address
18 MAIN AVE S,
KULM, ND 58456
Phone
701-647-2448
Fax
701-647-2449
President
JOSHUA LAND
CEO
HAROLD HAGEN
Full-Time Employees
32
Part-Time Employees
11
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.6 / 5.0 ★
Overall Health & Safety Grade
B (86/100)
Texas Ratio
19.78%
Return on Assets (ROA)
0.7329%
Return on Equity (ROE)
4.7515%
Non-Performing Loans Ratio (NPL)
3.75%
Total Assets
211,049,692
Total Amount of Shares and Deposits
172,194,811
Total Shares and Deposits < 1 Year
147,432,788
Total Shares and Deposits 1 3 Years
18,743,249
Total Shares and Deposits > 3 Years
6,018,774
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,559,818
Total Uninsured Shares and Deposits > $250K (F+J)
12,559,818
Total Insured Shares and Deposits > $250K (item 17 less item K)
159,634,993
Total Interest Expense (Sum of items 6 8)
4,336,953
Share Certificates
2,678
Number of Accounts for Share Drafts
1,962
IRA KEOGH Accounts
337
Number of Accounts for Regular Shares
4,600
All other shares
59
Non Member Deposits
6
Net Income (unless the amount is already included in Undivided Earnings)
1,546,862
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,430,596
Total Liabilities
178,494,402
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Hometown Credit UnionIs Hometown Credit Union a safe place to deposit money?Yes, Hometown Credit Union is considered a safe financial institution. With a Texas Ratio of 19.77503502503%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Hometown Credit Union operate?Hometown Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Hometown Credit Union?Yes, to access services at Hometown Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Hometown Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Hometown Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Hometown Credit Union offer online and mobile banking?Most modern institutions like Hometown Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hcuonline.com. Current Hometown Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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