Hometown CU (ND)

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.73%	5-year CD	3.10% - American Express National Bank 60 Month CD
1.91%	1-year CD	2.65% - Barclays 12 Month Online CD
0.75%	Savings	2.20% - Barclays Online Savings Account

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 1,418^th largest credit union in the nation. It was established in 1949 and as of September of 2018, it had grown to 23 employees and 3,117 members at 4 locations. Hometown CU (ND)'s savings rates are 2X the national average, and it has an A 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 Q3 2018

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Health Grade Components

Overall
NCUA #	61648
Year Chartered	1949
Employees	23
Primary Regulator

Profit Margin
Return on Assets - YTD	1.65%
Return on Equity - YTD	11.19%
Annual Interest Income	$4.4MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$124.3MM$115.6MM
Loans	Q3 2018vs Q3 2017	$110.4MM$103.2MM
Deposits	Q3 2018vs Q3 2017	$99.3MM$94.1MM
Equity Capital	Q3 2018vs Q3 2017	$17.8MM$15.8MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$2.3MM$2.0MM
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$2.1MM$2.4MM
Real Estate Owned	Q3 2018vs Q3 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
3.39%	$1k	-	65 Month CD Special
3.03%	$1k	-	30 Month CD Special
2.83%	$1k	-	72 Month CD
2.78%	$1k	-	15 Month CD Special
2.73%	$1k	-	60 Month CD
2.52%	$1k	-	48 Month CD
2.52%	$500	-	12 Month Youth CD
2.42%	$1k	-	36 Month CD
2.26%	$1k	-	6 Month CD Special
2.22%	$1k	-	24 Month CD
2.12%	$1k	-	21 Month CD
2.02%	$1k	-	18 Month CD
1.91%	$1k	-	12 Month CD
1.81%	$1k	-	9 Month CD
1.51%	$1k	-	3 Month CD

Hometown CU (ND) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.39%	$1k	-	65 Month IRA Special
2.83%	$1k	-	72 Month IRA
2.78%	$1k	-	15 Month IRA Special
2.73%	$1k	-	60 Month IRA
2.52%	$1k	-	48 Month IRA
2.52%	$500	-	12 Month Youth IRA
2.42%	$1k	-	36 Month IRA
2.26%	$1k	-	6 Month IRA Special
2.22%	$1k	-	24 Month IRA
2.12%	$1k	-	21 Month IRA
2.02%	$1k	-	18 Month IRA
1.91%	$1k	-	12 Month IRA
1.81%	$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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