Hometown Credit Union

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A short history of Hometown CU

Since its inception in 1949 the Hometown Credit Union has been serving its members in the KULM, North Dakota 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 HAROLD HAGEN, the Hometown CU has grown its membership to over 2,889 with assets of more than $109,366,699. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (701) 647-2448 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in KULM, ND.

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

Charter Number 61648
Address PO BOX 310 
City KULM 
State North Dakota 
Zip-Code 58456
Phone Number (701) 647-2448
Fax Number (701) 647-2449
Email Address: none
Members 2,889 
Full-Time Employees 19 
Part-Time Employees
Number of Branch Offices
Total Assets 109,366,699 
Website http://www.hcuonline.com 

Compare Hometown Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Dakota Plains CU DPCU - Ellendale 120 1st st NW 58436 (701) 349-3842 No 11.04

Hometown Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Hometown 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 N/A 5.00 5.50 5.00 5.25
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 397 384 268 260
Rank Among All North Dakota Credit Unions N/A 25 24 13 14

Hometown Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.25 0.50 N/A 1.32 2.50
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 95 66 N/A 116 17
Rank Among All North Dakota Credit Unions 2 4 N/A 6 1
Hometown Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 10.000117180,997
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 5.00026502,905
Used Vehicle Loans 5.5003933,686,422
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.00037847,936,554
Total Other Real Estate Loans/Lines of Credit 5.25016618,903
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.70076245,466,937
TOTAL LOANS & LEASES 1,69298,392,718

Hometown Credit Union Real Estate Loans and Lines of Credit


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 0000
    b. 15 Years or less 0000
    a. > 15 years 0000
    b. 15 Years or less 673,529,0489362,820
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 31144,407,506223,779,547
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 16618,9034158,000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 39448,555,457354,300,367


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

Hometown 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 No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes