2. Hometown CU (ND)

Hometown CU (ND)


Overview / Commentary
www.hcuonline.com
701-647-2448
17 South Main
Kulm, ND 58456

Hometown CU (ND) is headquartered in KULM and is the 8th largest credit union in the state of North Dakota. It is also the 1,385th largest credit union in the nation. It was established in 1949 and as of June of 2019, it had grown to 22 employees and 3,190 members at 4 locations. Hometown CU (ND)'s savings rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Hometown Credit Union of North Dakota is open to every resident that lives within a 75-mile distance of the Kulm office and 50-miles of the Hazelton office in any direction. The full detailed list of exact cities and/or counties can be obtained through the credit union website for determining your precise eligibility status.
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Health
B+

Data as of Q2 2019

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Health Grade Components

Overall
NCUA #61648
Year Chartered1949
Employees22
Primary Regulator
Profit Margin
Return on Assets - YTD1.3%
Return on Equity - YTD8.9%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$131.4MM$117.3MM
LoansQ2 2019vs Q2 2018$114.6MM$104.5MM
DepositsQ2 2019vs Q2 2018$111.5MM$95.7MM
Equity CapitalQ2 2019vs Q2 2018$19.1MM$17.1MM
Loan Loss AllowanceQ2 2019vs Q2 2018$2.6MM$2.2MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$3.7MM$4.8MM
Real Estate OwnedQ2 2019vs Q2 2018$950.00K$50.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Hometown CU (ND) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%--IRA Traditional Account
3.04%--IRA Roth Account
2.00%-$5kChristmas Club
1.26%*$100k*-Super Share Savings
OTHER TIERS: 0.50% → Up to $1k | 0.75% → $1k - $10k | 1.01% → $10k - $100k
1.26%--Youth Share Savings
0.75%$5-Share Savings Account
0.75%--HSA Draft

Hometown CU (ND) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$5-Share Draft Account

Hometown CU (ND) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.52%$500$5k12 Month Youth CD Special
2.51%$1k-54 Month CD Special
2.42%$1k-65 Month CD
2.42%$1k-72 Month CD
2.32%$1k-60 Month CD
2.32%$1k-48 Month CD
2.31%$1k-24 Month CD Special
2.27%$1k-36 Month CD
2.16%$1k-30 Month CD
2.10%$1k-9 Month CD
2.06%$1k-21 Month CD
2.01%$1k-18 Month CD
1.91%$1k-15 Month CD
1.81%$1k-12 Month CD
1.71%$1k-6 Month CD
1.61%$1k-3 Month CD

Hometown CU (ND) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.51%$1k-54 Month IRA Special
2.42%$1k-65 Month IRA
2.42%$1k-72 Month IRA
2.32%$1k-60 Month IRA
2.32%$1k-48 Month IRA
2.31%$1k-24 Month IRA Special
2.27%$1k-36 Month IRA
2.16%$1k-30 Month IRA
2.10%$1k-9 Month IRA
2.06%$1k-21 Month IRA
2.01%$1k-18 Month IRA
1.91%$1k-15 Month IRA
1.81%$1k-12 Month IRA
1.71%$1k-6 Month IRA
1.61%$1k-3 Month IRA
Locations


Hometown CU (ND) Locations
Branch Office106 E Main StAshley, ND 58413
Branch Office341 MAINHAZELTON, ND 58544
Branch Office18 MAIN AVE SKULM, ND 58456
Branch Office109 McDougall Dr Ste 5Lincoln, ND 58504-8139

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