Hometown Federal Credit Union Rates and Review January 2026
Compare Hometown Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Hometown Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityHometown 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 CD rates or 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. Overall, Hometown Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Hometown Federal Credit Union Bridge Street 2400 W Bridge St Owatonna, MN 55060 5003  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVISA Preferred
12.240% - 18.000%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
Visa Credit Card
11.900%
Visa Platinum Credit Card
8.500%
As low as 8.50%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonA+ Preferred Line Of Credit
10.990%
$0
Personal Loans
12.990%
$0 - $2,000
24 - 24
Personal Loans
8.990% - 19.990%
$500 - $30,000
60
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Hometown Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Hometown Federal Credit Union
Website: https://www.hometownfcu.org/
Full Time Employees: 57Part Time Employees: 3 President: Nicole Schulz CEO: Chad Corcoran Branch Locations: 4 ATM Locations: 4 Corporate Office Address:
2400 W Bridge St
Owatonna, MN 55060 5003 Phone Number: 507-451-3798 Fax Number: 507-446-8113 FinancialsTotal Assets:
280,873,793
Total Amount of Shares and Deposits:
253,290,066
Total Shares and Deposits < 1 Year:
239,636,519
Total Shares and Deposits 1 3 Years:
13,543,007
Total Shares and Deposits > 3 Years:
110,540
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
9,323,356
Total Uninsured Shares and Deposits > $250K (F+J):
9,323,356
Total Insured Shares and Deposits > $250K (item 17 less item K):
243,966,710
Total Interest Expense (Sum of items 6 8):
2,561,155
Share Certificates:
2,256
Number of Accounts for Share Drafts:
15,825
IRA KEOGH Accounts:
434
Number of Accounts for Regular Shares:
27,939
All other shares:
436
Money Market Shares:
1,491
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
18,883,255
Total Liabilities:
254,881,768
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Hometown Federal Credit UnionIs a member application needed to join Hometown Federal Credit Union?Yes, to access services at Hometown Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Hometown Federal Credit Union provides a range of mortgage and home equity products. Is Hometown Federal Credit Union a safe place to deposit money?Yes, Hometown Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Hometown Federal Credit Union offer online and mobile banking?Most modern institutions like Hometown Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.29%, 6-month CD rates at 0.05% and 3-month CD rates at 0.80%. Savings rates are at 0.01% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.06%. Credit Card rates are at 14.90%. Personal Loan rates are at 13.15%. All these rates, and more, can be found in our database of rates which you can compare to 
