What are the current interest rates at Hometown Federal Credit Union?

Current rates for Hometown Federal Credit Union include: 12-Month CD: 1.75%, 18-Month CD: 1.75%, 24-Month CD: 2.00%, 60-Month CD: 2.50%, Savings: 3.25%, MMA: 1.15%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Hometown Federal Credit Union

iAdvertiser Disclosure

Hometown Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hometown Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Hometown Federal Credit Union's top rates as of October 13, 2026 are 4.20% APY on its CD - 11-Month Special, 3.25% APY on savings, 1.15% APY on money market accounts, 0.05% APY on checking, personal loans from 9.99% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other Hometown Federal Credit Union CD rates include CD 11-Month Special at 4.20%, CD - 3-Month Special at 4.15%, and CD 3-Month Special at 4.15%. MonitorBankRates evaluates the financial stability of Hometown Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.52%. Rates last updated and verified on 10/13/2026.

Hometown Federal 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 Federal Credit Union? Share your experience about Hometown Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Hometown Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.52%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Hometown Federal Credit Union
Bridge Street

2400 W Bridge St
Owatonna, MN 55060-5003

https://www.hometownfcu.org/

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Hometown Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate - 11-Month Special	4.12%	4.20%	11 Months
Min Balance $10,000 Details Special rate for new certificates only; does not apply to renewals; renews to a 6-month term at maturity; Account holder may be subject to early withdrawal penalty Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Certificate 11-Month Special	4.12%	4.20%	11-Month
Min Deposit $500 Details Rates effective September 21, 2026; Special rate for new certificates only, does not apply to renewals; at maturity renews to 6-month term Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Certificate - 3-Month Special	4.07%	4.15%	3 Months
Min Balance $10,000 Details Special rate for new certificates only; does not apply to renewals; renews to a 6-month term at maturity; Account holder may be subject to early withdrawal penalty Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Certificate 3-Month Special	4.07%	4.15%	3-Month
Min Deposit $500 Details Rates effective September 21, 2026; Special rate for new certificates only, does not apply to renewals; at maturity renews to 6-month term Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Certificate - 48 month	2.47%	2.50%	48 Months
Min Balance $10,000 Details Account holder may be subject to early withdrawal penalty Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Certificate - 60 month	2.47%	2.50%	60 Months
Min Balance $10,000 Details Account holder may be subject to early withdrawal penalty Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Certificate 48 month	2.47%	2.50%	48 Months
Min Deposit $500 Details Rates effective September 21, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Certificate 60 month	2.47%	2.50%	60 Months
Min Deposit $500 Details Rates effective September 21, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Certificate - 36 month	2.24%	2.25%	36 Months
Min Balance $10,000 Details Account holder may be subject to early withdrawal penalty Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Certificate 36 month	2.24%	2.25%	36 Months
Min Deposit $500 Details Rates effective September 21, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Certificate - 24 month	1.98%	2.00%	24 Months
Min Balance $10,000 Details Account holder may be subject to early withdrawal penalty Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Certificate 24 month	1.98%	2.00%	24 Months
Min Deposit $500 Details Rates effective September 21, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Certificate - 12 month	1.74%	1.75%	12 Months
Min Balance $10,000 Details Account holder may be subject to early withdrawal penalty Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Certificate - 18 month	1.74%	1.75%	18 Months
Min Balance $10,000 Details Account holder may be subject to early withdrawal penalty Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Certificate 12 month	1.74%	1.75%	12 Months
Min Deposit $500 Details Rates effective September 21, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Certificate 18 month	1.74%	1.75%	18 Months
Min Deposit $500 Details Rates effective September 21, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Certificate - 6 month	1.49%	1.50%	6 Months
Min Balance $10,000 Details Account holder may be subject to early withdrawal penalty Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Certificate 6 month	1.49%	1.50%	6 Months
Min Deposit $500 Details Rates effective September 21, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Hometown Federal Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	3.20%	3.25%
Min Balance $1,000,000 Details Balance: $1,000,000.00 and higher; Effective September 8, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
High Yield Savings	2.76%	2.80%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Effective September 8, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 2.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
High Yield Savings	2.72%	2.75%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Effective September 8, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
High Yield Savings	2.28%	2.30%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Effective September 8, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 2.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
High Yield Savings	1.88%	1.90%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Effective September 8, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 1.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
High Yield Savings	1.49%	1.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Effective September 8, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Health Savings Account	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 and over; Savings Rates Effective June 1, 2024 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
High Yield Savings	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Effective September 8, 2026 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Share Savings/Education Savings	0.05%	0.05%
Min Deposit $10 Details Savings Rates Effective June 1, 2024 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Hometown Federal Credit Union Money Market Rates

Product	Rate	APY
IRA & Roth Money Market	1.14%	1.15%
Min Balance $100,000 Details Balance: $100,000.00 and higher Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.70% → 1.15% ▲ 0.45 pts · high 1.15% / low 0.70% Oct 13, 20261.15%▲ from 0.70% Sep 14, 20260.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Money Market	1.14%	1.15%
Min Balance $100,000 Details Balance: $100,000.00 and higher Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
IRA & Roth Money Market	1.04%	1.05%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.70% → 1.05% ▲ 0.35 pts · high 1.05% / low 0.70% Oct 13, 20261.05%▲ from 0.70% Sep 14, 20260.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Money Market	1.04%	1.05%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
IRA & Roth Money Market	0.99%	1.00%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.70% → 1.00% ▲ 0.30 pts · high 1.00% / low 0.70% Oct 13, 20261.00%▲ from 0.70% Sep 14, 20260.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Money Market	0.99%	1.00%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
IRA & Roth Money Market	0.90%	0.90%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.70% → 0.90% ▲ 0.20 pts · high 0.90% / low 0.70% Oct 13, 20260.90%▲ from 0.70% Sep 14, 20260.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Money Market	0.90%	0.90%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
IRA & Roth Money Market	0.70%	0.70%
Details Balance: $9,999.99 or below Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Money Market	0.70%	0.70%
Details Balance: $9,999.99 or below Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Hometown Federal Credit Union Checking Rates

Product	Rate	APY
Interest Checking	0.05%	0.05%
Details Checking Rates Effective September 9, 2025 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Masters Checking	0.05%	0.05%
Details Checking Rates Effective September 9, 2025 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Hometown Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans - 80% LTV - fixed rate (1st Lien)	4.99%	-	4.99%	60 months
Details Fixed rate; Home Equity loans are also available in 5, 10 and 15 year terms Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Home Equity Loans - 80% LTV - fixed rate (2nd Lien)	5.49%	-	5.49%	60 months
Details Fixed rate; Home Equity loans are also available in 5, 10 and 15 year terms Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Home Equity Loans - 90% LTV - fixed rate (2nd Lien)	6.24%	-	6.24%	60 months
Details Fixed rate; Home Equity loans are also available in 5, 10 and 15 year terms Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Home Equity 80% LTV - variable rate (1st Lien)	6.50%	-	6.50%	120 months
Details Home Equity Line of Credit; variable rate; maximum APR 18.00%; APR will not go below 4.00% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Home Equity 80% LTV - variable rate (2nd Lien)	6.75%	-	6.75%	120 months
Details Home Equity Line of Credit; variable rate; maximum APR 18.00%; APR will not go below 4.00% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Home Equity 90% LTV - variable rate (2nd Lien)	7.50%	-	7.50%	120 months
Details Home Equity Line of Credit; variable rate; maximum APR 18.00%; APR will not go below 4.00% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Home Equity Unsecured Personal Loans	9.99%	-	9.99%	36 months
Details Personal Loans Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Hometown Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans - 2025 & Newer	3.99%	-	3.99%	36 months
Details Model Year: 2025 & Newer Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Auto Loans - 2024 & Older	4.24%	-	4.24%	36 months
Details Model Year: 2024 & Older Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Hometown Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans	5.49%	5.49%	36 months
Details Model Year: 2025 & Newer Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Boat Loans - 2025 & Newer	5.99%	5.99%	60 months
Details Model Year: 2025 & Newer Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Recreational Vehicle Loans - 2025 & Newer	5.99%	5.99%	60 months
Details Model Year: 2025 & Newer Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Boat Loans - 2024 & Older	6.59%	6.59%	60 months
Details Model Year: 2024 & Older Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 6.59% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Recreational Vehicle Loans - 2024 & Older	6.59%	6.59%	60 months
Details Model Year: 2024 & Older Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Motorcycle Loans	6.74%	6.74%	36 months
Details Model Year: 2024 & Older Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
ATV Loans - 2025 & Newer	7.49%	7.49%	24 months
Details Model Year: 2025 & Newer; Lowest rates available, may vary by age of collateral, term of loan, and applicant's credit history Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Snowmobile Loans - 2025 & Newer	7.49%	7.49%	24 months
Details Model Year: 2025 & Newer Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
ATV Loans - 2024 & Older	7.99%	7.99%	24 months
Details Model Year: 2024 & Older; Lowest rates available, may vary by age of collateral, term of loan, and applicant's credit history Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Snowmobile Loans - 2024 & Older	7.99%	7.99%	24 months
Details Model Year: 2024 & Older Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Hometown Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
HomeTown Classic Credit Card	10.90%	10.90%
Details Regular APR: 10.90% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Hometown Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Home Equity Unsecured Personal Loans	9.99%	36 months
Details Personal Loans Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Hometown Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	10.00%	-	10.00%	12 months
Details Terms listed in months per page note Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Fish House Loans - 2024 & Older (non-titled)	7.99%	-	7.99%	24 months
Details Non-titled; Loan rates quoted are lowest rates available and may vary based on age of collateral, term of loan, and credit history Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Fish House Loans - 2024 & Older (titled)	6.59%	-	6.59%	60 months
Details Titled; Loan rates quoted are lowest rates available and may vary based on age of collateral, term of loan, and credit history Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Fish House Loans - 2025 & Newer (non-titled)	7.49%	-	7.49%	24 months
Details Non-titled; Loan rates quoted are lowest rates available and may vary based on age of collateral, term of loan, and credit history Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Fish House Loans - 2025 & Newer (titled)	5.99%	-	5.99%	60 months
Details Titled; Loan rates quoted are lowest rates available and may vary based on age of collateral, term of loan, and credit history Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Trailer Loans - 2024 & Older (non-titled)	7.99%	-	7.99%	24 months
Details Model Year: 2024 & Older (non-titled); Lowest rates available; may vary by age of collateral, term, and credit history Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Trailer Loans - 2024 & Older (titled)	6.59%	-	6.59%	60 months
Details Model Year: 2024 & Older (titled); Lowest rates available; may vary by age of collateral, term, and credit history Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 6.59% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Trailer Loans - 2025 & Newer (non-titled)	7.49%	-	7.49%	24 months
Details Model Year: 2025 & Newer (non-titled); Lowest rates available; may vary by age of collateral, term, and credit history Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Trailer Loans - 2025 & Newer (titled)	5.99%	-	5.99%	60 months
Details Model Year: 2025 & Newer (titled); Lowest rates available; may vary by age of collateral, term, and credit history Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
IRA & Roth High Yield	0.05%	-	0.05%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
IRA & Roth High Yield	1.49%	-	1.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
IRA & Roth High Yield	1.88%	-	1.90%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
IRA & Roth High Yield	2.28%	-	2.30%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
IRA & Roth High Yield	2.72%	-	2.75%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
IRA & Roth High Yield	2.76%	-	2.80%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
IRA & Roth High Yield	3.20%	-	3.25%
Min Balance $1,000,000 Details Balance: $1,000,000.00 and higher Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Pay ME First Account	0.10%	-	0.10%
Min Balance $2,500 Details Balance: $2,500.01 and over; Requires at least one (1) electronic deposit of $15.00 or more during each calendar month; Savings Rates Effective June 1, 2024 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Pay ME First Account	0.50%	-	0.50%
Details Balance: $0.00 - $2,500.00; Requires at least one (1) electronic deposit of $15.00 or more during each calendar month; Savings Rates Effective June 1, 2024 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Hometown Federal Credit Union’s Texas Ratio stayed near 3.49% in Q3 2023 to 3.52% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$293M	3.52%	5.0	A+
March 31, 2026	$296M	3.75%	5.0	A+
December 31, 2025	$286M	3.78%	5.0	A+
September 30, 2025	$281M	3.06%	5.0	A+
June 30, 2025	$279M	4.30%	5.0	A+
March 31, 2025	$282M	5.90%	5.0	A+
December 31, 2024	$269M	6.94%	5.0	A
September 30, 2024	$271M	6.56%	5.0	A
June 30, 2024	$276M	4.60%	5.0	A+
March 31, 2024	$279M	2.90%	5.0	A+
December 31, 2023	$273M	2.38%	5.0	A+
September 30, 2023	$271M	3.49%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Hometown Federal 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 Federal 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 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Hometown Federal Credit Union

Website https://www.hometownfcu.org/

Address 2400 W Bridge St, Owatonna, MN 55060-5003

Phone 507-451-3798

Fax 507-446-8113

President Perry Christensen

CEO Chad Corcoran

Full-Time Employees 59

Part-Time Employees 4

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.52%

Return on Assets (ROA)

0.5729%

Return on Equity (ROE)

5.4777%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

293,317,656

Total Amount of Shares and Deposits

262,508,060

Total Shares and Deposits < 1 Year

255,854,948

Total Shares and Deposits 1 3 Years

6,543,675

Total Shares and Deposits > 3 Years

109,437

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

10,634,390

Total Uninsured Shares and Deposits > $250K (F+J)

10,634,390

Total Insured Shares and Deposits > $250K (item 17 less item K)

251,873,670

Total Interest Expense (Sum of items 6 8)

1,511,960

Share Certificates

2,103

Number of Accounts for Share Drafts

16,252

IRA KEOGH Accounts

435

Number of Accounts for Regular Shares

28,482

All other shares

444

Money Market Shares

1,550

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)

17,975,792

Total Liabilities

265,205,213

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Hometown Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/home-town-federal-credit-union-rates-review-21669">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Hometown Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Hometown Federal Credit Union

Frequently Asked Questions About Hometown Federal Credit Union

How many branches does Hometown Federal Credit Union operate?

Hometown Federal 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 Federal Credit Union?

Yes, to access services at Hometown Federal 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 Federal 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 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Hometown Federal Credit Union offer online and mobile banking?

Most modern institutions like Hometown Federal 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.hometownfcu.org/.

Current Hometown Federal Credit Union Rates

12-Month CD1.75%
18-Month CD1.75%
24-Month CD2.00%
60-Month CD2.50%
Savings3.25%
MMA1.15%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Hometown Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Hometown Federal Credit Union Texas Ratio

Hometown Federal Credit Union Health Trend

Hometown Federal Credit Union CD Rates

Hometown Federal Credit Union Savings Rates

Hometown Federal Credit Union Money Market Rates

Hometown Federal Credit Union Checking Rates

Hometown Federal Credit Union Home Equity & HELOC

Hometown Federal Credit Union Auto Loan Rates

Hometown Federal Credit Union RV, Boat and Powersport Loan Rates

Hometown Federal Credit Union Credit Card Rates

Hometown Federal Credit Union Personal Loan Rates

Hometown Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Hometown Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Hometown Federal Credit Union

How many branches does Hometown Federal Credit Union operate?

Is a member application needed to join Hometown Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Hometown Federal Credit Union offer online and mobile banking?

Current Hometown Federal Credit Union Rates

Compare to Other Credit Unions