Overview / Commentary
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 December of 2018, it had grown to 23 employees and 3,126 members at 4 locations. Hometown CU (ND)'s CD rates are 3X 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

Health Grade Components

Overall
NCUA #61648
Year Chartered1949
Employees23
Primary Regulator
Profit Margin
Return on Assets - YTD1.54%
Return on Equity - YTD10.63%
Annual Interest Income$6.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$128.8MM$112.5MM
LoansQ4 2018vs Q4 2017$110.6MM$100.6MM
DepositsQ4 2018vs Q4 2017$106.1MM$95.3MM
Equity CapitalQ4 2018vs Q4 2017$18.3MM$16.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$2.3MM$2.0MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$3.6MM$461.00K
Real Estate OwnedQ4 2018vs Q4 2017$50.00K$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
2.02%-$5kChristmas Club
1.26%*$100k*-Super Share Savings
OTHER TIERS: 0.50% Up to $1k | 0.75% $1k - $10k | 1.00% $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
0.40%$5-Share Draft Account

Hometown CU (ND) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.29%$1k-65 Month CD Special
3.03%$1k-72 Month CD
3.03%$1k-36 Month CD Special
2.83%$1k-60 Month CD
2.78%$1k-12 Month CD Special
2.63%$1k-48 Month CD
2.52%$500-12 Month Youth CD
2.42%$1k-30 Month CD
2.32%$1k-24 Month CD
2.26%$1k-6 Month CD Special
2.22%$1k-21 Month CD
2.12%$1k-18 Month CD
2.02%$1k-15 Month CD
1.91%$1k-9 Month CD
1.51%$1k-3 Month CD

Hometown CU (ND) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.29%$1k-65 Month IRA Special
3.03%$1k-72 Month IRA
3.03%$1k-36 Month IRA Special
2.83%$1k-60 Month IRA
2.78%$1k-12 Month IRA Special
2.63%$1k-48 Month IRA
2.52%$500-12 Month Youth IRA
2.42%$1k-30 Month IRA
2.32%$1k-24 Month IRA
2.26%$1k-6 Month IRA Special
2.22%$1k-21 Month IRA
2.12%$1k-18 Month IRA
2.02%$1k-15 Month IRA
1.91%$1k-9 Month IRA
1.51%$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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