Home Town Federal Credit Union

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A short history of Home Town FCU

Since its inception in 1974 the Home Town Federal Credit Union has been serving its members in the OWATONNA, Minnesota area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Kimberly Westphal, the Home Town FCU has grown its membership to over 17,034 with assets of more than $135,152,672. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (507) 451-3798 or email them at memberresources@hometowncu.coop to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in OWATONNA, MN.

General Information For Home Town FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 21669
Address 2400 W. BRIDGE ST. 
City OWATONNA 
State Minnesota 
Zip-Code 55060
Phone Number (507) 451-3798
Fax Number (507) 446-8113
Email Address: memberresources@hometowncu.coop
CEO/President Kimberly Westphal
Members 17,034 
Full-Time Employees 47 
Part-Time Employees
Number of Branch Offices
Total Assets 135,152,672 
Website http://www.hometowncu.coop 

Compare Home Town Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Federated Employees CU FECU Main Office 1929 S Cedar Ave 55060 (507) 455-5200 No 0.36
Josten Employees CU Jostens Employees Credit Union Jostens Employees Credit Union 55060 (507) 455-6309 No 1.80
United Employees CU United Employees Credit Union 430 Bridge Ave 56007 (507) 377-1616 No 28.83
Mower County Employees CU Mower County Employees Credit Union 1202 N Main St 55912 (507) 437-6360 No 29.20
Trades & Labor CU TRADES & LABOR FCU 610 S BROADWAY AVE 56007 (507) 377-1863 No 29.49

Home Town Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Home Town Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 10.99 2.78 3.88 3.79 5.21
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 340 118 188 107 256
Rank Among All Minnesota Credit Unions 27 21 31 16 32

Home Town Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.05 0.42 1.00 1.00
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 143 72 174 158
Rank Among All Minnesota Credit Unions 12 22 7 15 10
Home Town Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.9901,4562,516,677
All Other Unsecured Loans/Lines of Credit 12.1907911,951,427
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 5.9602861,437,777
New Vehicle Loans 2.78046310,698,502
Used Vehicle Loans 3.8804,56154,349,401
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.79020218,414,581
Total Other Real Estate Loans/Lines of Credit 5.2103759,240,091
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.8207419,630,919
TOTAL LOANS & LEASES 8,875108,239,375

Home Town Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 606,929,77561,020,085
    b. 15 Years or less 14211,484,806202,304,829
Balloon/Hybrid
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 1874,148,08812365,446
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1885,092,00318307,225
Open-End Fixed Rate 0000
TOTALS 57727,654,672563,997,585

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 1083,230,3140
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Home Town Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes