What are the current interest rates at Hometown Credit Union?

Current rates for Hometown Credit Union include: 12-Month CD: 3.29%, 18-Month CD: 3.29%, 24-Month CD: 4.37%, 60-Month CD: 3.80%, Savings: 2.00%

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Hometown Credit Union

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Hometown Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Hometown Credit Union's top rates as of October 9, 2026 are 4.47% APY on its 42 Month CD, and 2.00% APY on savings, according to rates verified by MonitorBankRates. Other Hometown Credit Union CD rates include 24 Month CD at 4.37%, 12 Month Youth CD at 4.27%, and 9 Month CD at 4.27%. MonitorBankRates evaluates the financial stability of Hometown Credit Union with a 3.6 Star Rating, an D Overall Health Grade, and a Texas Ratio of 32.17%. Rates last updated and verified on 10/09/2026.

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.

Overall Health & Safety Grade

Weak Health Score: 70/100

MonitorBankRates Rating

3.6

Very Good Out of 5.0 Stars

Texas Ratio

32.17%

Fair Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Hometown Credit Union
KULM

18 MAIN AVE S
KULM, ND 58456

https://www.hcuonline.com

Customer Reviews

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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 Credit Union CD Rates

Product	Rate	APY	Term
42 Month Share Certificate	4.40%	4.47%	42 months
Min Deposit $1,000 Details SPECIAL Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 4.47% ▲ 0.92 pts · high 4.47% / low 3.55% Oct 9, 20264.47%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
24 Month Share Certificate	4.30%	4.37%	24 months
Min Deposit $1,000 Details SPECIAL Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 4.37% ▲ 1.33 pts · high 4.37% / low 3.04% Oct 9, 20264.37%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
12 Month Youth Certificate	4.20%	4.27%	12 month
Min Deposit $500 Details ages 21 yrs & younger Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06% Oct 9, 20264.27%▲ from 4.06% Sep 18, 20264.06%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
9 Month Share Certificate	4.20%	4.27%	9 month
Min Deposit $1,000 Details SPECIAL Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 4.27% ▲ 1.23 pts · high 4.27% / low 3.04% Oct 9, 20264.27%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
39 Month Share Certificate	3.75%	3.80%	39 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 9, 20263.80%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
45 Month Share Certificate	3.75%	3.80%	45 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.32% → 3.80% ▼ 0.52 pts · high 4.32% / low 3.80% Oct 9, 20263.80%▼ from 4.32% Sep 18, 20264.32%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
48 Month Share Certificate	3.75%	3.80%	48 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 9, 20263.80%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
51 Month Share Certificate	3.75%	3.80%	51 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 9, 20263.80%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
54 Month Share Certificate	3.75%	3.80%	54 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 9, 20263.80%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
57 Month Share Certificate	3.75%	3.80%	57 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 9, 20263.80%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
60 Month Share Certificate	3.75%	3.80%	60 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.43% → 3.80% ▼ 0.63 pts · high 4.43% / low 3.80% Oct 9, 20263.80%▼ from 4.43% Sep 18, 20264.43%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
12 Month Share Certificate	3.25%	3.29%	12 month
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.29% ▲ 0.25 pts · high 3.29% / low 3.04% Oct 9, 20263.29%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
15 Month Share Certificate	3.25%	3.29%	15 month
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.29% ▲ 0.25 pts · high 3.29% / low 3.04% Oct 9, 20263.29%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
18 Month Share Certificate	3.25%	3.29%	18 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.29% ▲ 0.25 pts · high 3.29% / low 3.04% Oct 9, 20263.29%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
21 Month Share Certificate	3.25%	3.29%	21 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.29% ▲ 0.25 pts · high 3.29% / low 3.04% Oct 9, 20263.29%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
27 Month Share Certificate	3.25%	3.29%	27 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.29% ▲ 0.25 pts · high 3.29% / low 3.04% Oct 9, 20263.29%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
3 Month Share Certificate	3.25%	3.29%	3 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.04% → 3.29% ▲ 0.25 pts · high 3.29% / low 3.04% Oct 9, 20263.29%▲ from 3.04% Sep 14, 20263.04%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
30 Month Share Certificate	3.25%	3.29%	30 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.29% ▲ 0.25 pts · high 3.29% / low 3.04% Oct 9, 20263.29%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
33 Month Share Certificate	3.25%	3.29%	33 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.29% ▲ 0.25 pts · high 3.29% / low 3.04% Oct 9, 20263.29%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
36 Month Share Certificate	3.25%	3.29%	36 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.29% ▲ 0.25 pts · high 3.29% / low 3.04% Oct 9, 20263.29%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
6 Month Share Certificate	3.25%	3.29%	6 month
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.12% → 3.29% ▼ 0.83 pts · high 4.12% / low 3.29% Oct 9, 20263.29%▼ from 4.12% Sep 18, 20264.12%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%

Hometown Credit Union Savings Rates

Product	Rate	APY
Youth Share Savings (S3)	2.00%	2.00%
Details ages 21 and under only Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.75% → 2.00% ▲ 0.25 pts · high 2.00% / low 1.75% Oct 9, 20262.00%▲ from 1.75% Sep 18, 20261.75%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
Super Share Savings (S2)	1.70%	1.70%
Min Balance $250,000 Details Balance: $250,000.00 + Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 4 times Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
Super Share Savings (S2)	1.40%	1.40%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 4 times Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
Super Share Savings (S2)	1.10%	1.10%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.10% APY · checked 4 times Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
Super Share Savings (S2)	0.80%	0.80%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 4 times Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
Super Share Savings (S2)	0.50%	0.50%
Min Balance $0 Details Balance: $0.01.00 - $9,999.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 3 times Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
Share Savings (S1)	0.40%	0.40%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 5 times Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%

Hometown Credit Union Other Rates

Product	Rate	Points	APY/APR
IRA - Roth (S8)	3.80%	-	3.80%
Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75% Oct 9, 20263.80%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%
IRA - Traditional (S7)	3.80%	-	3.80%
Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75% Oct 9, 20263.80%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 3.6 Star Rating D Health Grade ◈ Texas Ratio: 32.17%

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 Credit Union’s Texas Ratio rose from 13.72% in Q3 2023 to 32.17% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 3.6 and its Health Grade from A to D. 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	$223M	32.17%	3.6	D
March 31, 2026	$219M	14.06%	5.0	A-
December 31, 2025	$213M	19.06%	4.7	B+
September 30, 2025	$211M	18.09%	4.7	B+
June 30, 2025	$214M	22.44%	4.4	B-
March 31, 2025	$215M	12.75%	5.0	A
December 31, 2024	$208M	19.35%	4.6	B
September 30, 2024	$203M	18.79%	4.7	B+
June 30, 2024	$199M	13.41%	5.0	A
March 31, 2024	$198M	1.58%	5.0	A+
December 31, 2023	$192M	11.05%	5.0	A
September 30, 2023	$190M	13.72%	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 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 37

Part-Time Employees 8

Branch Locations 5

ATM Locations 5

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

Financials

MonitorBankRates Star Rating

3.6 / 5.0 ★

Overall Health & Safety Grade

D (70/100)

Texas Ratio

32.17%

Return on Assets (ROA)

0.7147%

Return on Equity (ROE)

4.5928%

Non-Performing Loans Ratio (NPL)

6.81%

Total Assets

223,136,566

Total Amount of Shares and Deposits

181,963,271

Total Shares and Deposits < 1 Year

158,223,917

Total Shares and Deposits 1 3 Years

18,070,023

Total Shares and Deposits > 3 Years

5,669,330

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

16,113,022

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

16,113,022

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

165,850,249

Total Interest Expense (Sum of items 6 8)

2,679,739

Share Certificates

2,560

Number of Accounts for Share Drafts

1,985

IRA KEOGH Accounts

318

Number of Accounts for Regular Shares

4,629

All other shares

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

1,594,746

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)

14,259,084

Total Liabilities

188,413,976

Source: NCUA — Last Updated 06/30/2026

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Frequently Asked Questions About Hometown Credit Union

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.