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 Hometown Federal Credit Union Peru, IN Rates & Review September 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.
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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 and Verified: September 23, 2026
Hometown Federal Credit Union Peru, IN's Personal Loan Rates are as low as 14.50%. Hometown Federal Credit Union Peru, IN's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Hometown Federal Credit Union Peru, IN with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.09%. Rates last updated and verified on 09/23/2026. Hometown Federal Credit Union Peru, IN 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 Federal Credit Union Peru, IN? Share your experience about Hometown Federal Credit Union Peru, IN by leaving a review below, or read customer reviews before you decide to use Hometown Federal Credit Union Peru, IN. Hometown Federal Credit Union Peru, IN
Hometown Federal Credit Union 151 N Broadway
https://www.hometownfcu.org PERU, IN 46970 
Hometown Federal Credit Union Peru, IN Home Equity & HELOC
Hometown Federal Credit Union Peru, IN Auto Loan Rates
Hometown Federal Credit Union Peru, IN RV, Boat and Powersport Loan Rates
Hometown Federal Credit Union Peru, IN Credit Card Rates
Hometown Federal Credit Union Peru, IN Personal Loan Rates
Financial Health HistoryHometown Federal Credit Union Peru, IN’s Texas Ratio fell from 7.48% in Q2 2023 to 4.09% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Hometown Federal Credit Union Peru, IN 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 Federal Credit Union Peru, IN 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 Federal Credit Union Peru, IN's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Hometown Federal Credit Union Peru, IN
Website
https://www.hometownfcu.org
Address
151 N Broadway,
PERU, IN 46970
Phone
765-472-7600
Fax
President
Larry West
CEO
Mark Lowe
Full-Time Employees
11
Part-Time Employees
2
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.09%
Return on Assets (ROA)
0.8724%
Return on Equity (ROE)
2.7175%
Non-Performing Loans Ratio (NPL)
1.99%
Total Assets
37,508,715
Total Amount of Shares and Deposits
25,412,756
Total Shares and Deposits < 1 Year
25,378,315
Total Shares and Deposits 1 3 Years
11,140
Total Shares and Deposits > 3 Years
23,300
Total Insured Shares and Deposits > $250K (item 17 less item K)
25,412,756
Total Interest Expense (Sum of items 6 8)
24,131
Share Certificates
4
Number of Accounts for Share Drafts
2,162
Number of Accounts for Regular Shares
3,852
All other shares
629
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
7,206,534
Total Liabilities
25,467,010
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Hometown Federal Credit Union Peru, INHow many branches does Hometown Federal Credit Union Peru, IN operate?Hometown Federal Credit Union Peru, IN 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 Federal Credit Union Peru, IN?Yes, to access services at Hometown Federal Credit Union Peru, IN, 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 Federal Credit Union Peru, IN 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 Federal Credit Union Peru, IN provides members with tools to manage their accounts and build a solid financial history. Does Hometown Federal Credit Union Peru, IN offer online and mobile banking?Most modern institutions like Hometown Federal Credit Union Peru, IN 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.hometownfcu.org. Compare to Other Credit Unions
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