Hometown CU (ND)

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.83%	5-year CD	2.27% - National Average
2.78%	1-year CD	1.38% - National Average
0.75%	Savings	0.26% - National Average

View all Hometown CU (ND) rates »

Overview / Commentary

www.hcuonline.com

701-647-2448

17 South Main
Kulm, ND 58456

Hometown CU (ND) is headquartered in KULM and is the 8^th largest credit union in the state of North Dakota. It is also the 1,385^th 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

Data as of Q4 2018

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Health Grade Components

Overall
NCUA #	61648
Year Chartered	1949
Employees	23
Primary Regulator

Profit Margin
Return on Assets - YTD	1.54%
Return on Equity - YTD	10.63%
Annual Interest Income	$6.1MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$128.8MM$112.5MM
Loans	Q4 2018vs Q4 2017	$110.6MM$100.6MM
Deposits	Q4 2018vs Q4 2017	$106.1MM$95.3MM
Equity Capital	Q4 2018vs Q4 2017	$18.3MM$16.3MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$2.3MM$2.0MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$3.6MM$461.00K
Real Estate Owned	Q4 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

APY	MIN	MAX	ACCOUNT NAME
3.04%	-	-	IRA Traditional Account
3.04%	-	-	IRA Roth Account
2.02%	-	$5k	Christmas 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%	$5	-	Share Draft Account

Hometown CU (ND) CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Office	106 E Main St	Ashley, ND 58413
Branch Office	341 MAIN	HAZELTON, ND 58544
Branch Office	18 MAIN AVE S	KULM, ND 58456
Branch Office	109 McDougall Dr Ste 5	Lincoln, ND 58504-8139

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