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Hometown CU (ND)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.hcuonline.com
701-647-2448
18 Main Ave S
Kulm, ND 58456

Hometown CU (ND) is headquartered in KULM and is the 7th largest credit union in the state of North Dakota. It is also the 1,225th largest credit union in the nation. It was established in 1949 and as of March of 2025, it had grown to 33 employees and 3,345 members at 5 locations. Hometown CU (ND)'s CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Hometown Credit Union in North Dakota is open to individuals who live within a 75-mile radius of the Kulm office and a 50-mile radius of the Hazelton office.
See current membership details

Reviews

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #61648
Year Chartered1949
Employees33
Primary Regulator
Profit Margin
Return on Assets - YTD1.18%
Return on Equity - YTD7.94%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$215.5MM$198.2MM
LoansQ1 2025vs Q1 2024$161.3MM$152.8MM
DepositsQ1 2025vs Q1 2024$177.1MM$164MM
Equity CapitalQ1 2025vs Q1 2024$31.6MM$29.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.9MM$3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$4.4MM$515K
Real Estate OwnedQ1 2025vs Q1 2024$20K$20K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Hometown CU (ND); we are a rate comparison website and cannot provide official rates or promotions.

* 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
1.90%*$250k*-Super Share Savings
OTHER TIERS: 0.70% → $0 - $10k | 1.00% → $10k - $50k | 1.30% → $50k - $100k | 1.60% → $100k - $250k
1.50%$0-Youth Share Savings
1.50%$0$5kChristmas Club
1.50%$0-HSA Draft
0.50%$5-Share Savings Account

Hometown CU (ND) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$200-Share Draft Account

Hometown CU (ND) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.06%$500-12 Month Youth CD
4.01%$1k-6 Month CD Special
3.99%$1k-60 Month CD Special
3.81%$1k-30 Month CD Special
3.81%$1k-18 Month CD Special
3.81%$1k-24 Month CD Special
3.55%$1k-3 Month CD
3.55%$1k-9 Month CD
3.55%$1k-65 Month CD
3.55%$1k-72 Month CD
3.55%$1k-12 Month CD
3.29%$1k-21 Month CD
3.29%$1k-15 Month CD
3.29%$1k-54 Month CD
3.29%$1k-27 Month CD
3.29%$1k-51 Month CD
3.29%$1k-57 Month CD
3.04%$1k-48 Month CD
3.04%$1k-42 Month CD
3.04%$1k-45 Month CD
2.78%$1k-36 Month CD
2.78%$1k-33 Month CD
2.78%$1k-39 Month CD

Hometown CU (ND) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.06%$500-12 Month Youth IRA
4.01%$1k-6 Month IRA Special
3.99%$1k-60 Month IRA Special
3.90%$0-IRA Traditional Account
3.90%$0-IRA Roth Account
3.81%$1k-30 Month IRA Special
3.81%$1k-18 Month IRA Special
3.81%$1k-24 Month IRA Special
3.55%$1k-3 Month IRA
3.55%$1k-9 Month IRA
3.55%$1k-65 Month IRA
3.55%$1k-72 Month IRA
3.55%$1k-12 Month IRA
3.29%$1k-21 Month IRA
3.29%$1k-15 Month IRA
3.29%$1k-54 Month IRA
3.29%$1k-27 Month IRA
3.29%$1k-51 Month IRA
3.29%$1k-57 Month IRA
3.04%$1k-48 Month IRA
3.04%$1k-42 Month IRA
3.04%$1k-45 Month IRA
2.78%$1k-36 Month IRA
2.78%$1k-33 Month IRA
2.78%$1k-39 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
Branch Office301 5th Ave SEMedina, ND 58467

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