Home Town Credit Union

2400 W. Bridge St.
Owatonna, MN 55060
(888) 451-3798
www.hometowncu.coop

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Home Town Credit Union is headquartered in Owatonna and is the 32^nd largest credit union in the state of Minnesota. It is also the 1,408^th largest credit union in the nation. It was established in 1974 and as of December of 2011, it had grown to 36 employees and 16,459 members. Home Town Credit Union has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Home Town Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.05%	-	$2k	Interest Checking Account

Home Town Credit Union Savings Account Rates

Apy	Min	Max	Product
0.55%	-	$2,500	Pay ME First Account
0.35%	$10k	-	Health Savings Account
0.10%	-	$2k	Share Savings Account
0.10%	-	$2k	Education IRA Savings Account

Home Town Credit Union Money Market Rates

Apy	Min	Max	Product
0.55%	$100k	-	Money Market Account
0.55%	$100k	-	Roth IRA Money Market Account
0.55%	$100k	-	IRA Money Market Account

Home Town Credit Union CD Rates

Apy	Min	Max	Product
2.00%	$5k	-	60 Month Checking Relationship CD
1.75%	$5k	-	60 Month CD
1.65%	$5k	-	48-59 Month Checking Relationship CD
1.40%	$5k	-	48-59 Month CD
1.35%	$5k	-	36-47 Month Checking Relationship CD
1.10%	$5k	-	36-47 Month CD
1.00%	$5k	-	24-35 Month Checking Relationship CD
0.75%	$5k	-	24-35 Month CD
0.75%	$5k	-	12-23 Month Checking Relationship CD
0.50%	$5k	-	12-23 Month CD
0.50%	$5k	-	6-11 Month Checking Relationship CD
0.25%	$5k	-	6-11 Month CD

Home Town Credit Union IRA Rates

Apy	Min	Max	Product
2.00%	$5k	-	60 Month Checking Relationship IRA
2.00%	$5k	-	60 Month Checking Relationship Roth IRA
2.00%	$5k	-	60 Month Checking Relationship CESA
1.75%	$5k	-	60 Month IRA
1.75%	$5k	-	60 Month Roth IRA
1.75%	$5k	-	60 Month CESA
1.65%	$5k	-	48-59 Month Checking Relationship IRA
1.65%	$5k	-	48-59 Month Checking Relationship Roth IRA
1.65%	$5k	-	48-59 Month Checking Relationship CESA
1.40%	$5k	-	48-59 Month IRA
1.40%	$5k	-	48-59 Month Roth IRA
1.40%	$5k	-	48-59 Month CESA
1.35%	$5k	-	36-47 Month Checking Relationship IRA
1.35%	$5k	-	36-47 Month Checking Relationship Roth IRA
1.35%	$5k	-	36-47 Month Checking Relationship CESA
1.10%	$5k	-	36-47 Month IRA
1.10%	$5k	-	36-47 Month Roth IRA
1.10%	$5k	-	36-47 Month CESA
1.00%	$5k	-	24-35 Month Checking Relationship IRA
1.00%	$5k	-	24-35 Month Checking Relationship Roth IRA
1.00%	$5k	-	24-35 Month Checking Relationship CESA
0.75%	$5k	-	12-23 Month Checking Relationship IRA
0.75%	$5k	-	24-35 Month IRA
0.75%	$5k	-	12-23 Month Checking Relationship Roth IRA
0.75%	$5k	-	24-35 Month Roth IRA
0.75%	$5k	-	12-23 Month Checking Relationship CESA
0.75%	$5k	-	24-35 Month CESA
0.50%	$5k	-	6-11 Month Checking Relationship IRA
0.50%	$5k	-	12-23 Month IRA
0.50%	$5k	-	6-11 Month Checking Relationship Roth IRA
0.50%	$5k	-	12-23 Month Roth IRA
0.50%	$5k	-	6-11 Month Checking Relationship CESA
0.50%	$5k	-	12-23 Month CESA
0.25%	$5k	-	6-11 Month IRA
0.25%	$5k	-	6-11 Month Roth IRA
0.25%	$5k	-	6-11 Month CESA

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

HOME TOWN
NCUA #	21669
BankRate Report	View
Year Chartered	1974
Employees	36
Primary Regulator
Assets and Liabilities
Assets	$102.52 million
Loans	$75.96 million
Deposits	$91.81 million
Equity Capital	$8.98 million
Loan Loss Allowance	$764,000
Unbacked Noncurrent Loans	$391,000
Real Estate Owned	$19,000
Historic Data - December 2010
Assets	$101.56 million
Equity Capital	$8.21 million
Loan Loss Allowance	$838,000
Unbacked Noncurrent Loans	$678,000
Profit Margin - Quarterly
Net Interest Margin	4.71%
Return on Assets	0.74%
Return on Equity	8.49%
Interest Income	$4.50 million
Non-Interest Income	$1.70 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Home Town Credit Union had $410,000 in non-current loans and owned real-estate with $9.74 million in equity and loan loss allowances on hand to cover it. This gives Home Town Credit Union a Texas Ratio of 4.21% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Home Town Credit Union decreased significantly from 7.49% as of December 31, 2010 to 4.21% as of December 31, 2011, resulting in a positive change of 43.81%.This indicates that the balance sheet and financial strength for Home Town Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Home Town Credit Union has decreased its total deposits by $-687,000, resulting in -0.74% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Home Town Credit Union has shown is average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Home Town Credit Union has $102.52 million in assets with $9.74 million in equity, resulting in a capitalization level of 9.50%, which is average.

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