Hometown Credit Union
Coins rates Currency
Whether saving or borrowing, our great rates will get you started and keep you smiling......

Accounts On Line | Home | About Us | Loans | Rates | Fees | FAQs | Privacy | Resources > | Links | Site Map
Note: Please set your web browser to allow pop ups and to allow blocked ActiveX content from our web site.

 
Rates

 

Our Services

Share savings
Share draft checking
IRA
Certificate of Deposit
Christmas Club
Visa Debit Cards
Agriculture Lending
Car & Equipment Guides
Travelers Checks
Free Notary Service
Copier and Fax Service

 
 
Online Banking
Accounts On-Line
 
Hometown
About Us
Loans
Rates
Fees
Questions
Resources >
Financial Calculators
Favorite Links
Site Map
 
 
 

 

 

Consumer loan interest rates are disclosed as ranges. Your final rate is based on your application and credit history. All loans are subject to application and processing fees. Share and savings rates are disclosed as Annual Percentage Yield (APY). Stop by our office for more rates and details.
Loan Rates - Effective December 1, 2017
  Loan Type Rate Range - APR*  
  Consumer Secured
4.25% - 12.25%
 
  Share Secured
as low as 2.50%
 
  Consumer Unsecured
8.50% - 20.50%
 
  Residential Real Estate
4.98% - 5.48%
5 yr. fixed with Balloon payment
  Business & Ag Real Estate
4.43% - 7.43%
variable annually on anniversary
  Business & Ag Real Estate
4.98% - 7.98%
5 yr. fixed with Balloon payment
  Business & Ag Operating
4.25% - 7.25%
1year term
  Ag Market Hedge
as low as 4.25%
1year term
  Ag Chattels
5.00% - 8.00%
variable annually October 1
  Business Equipment
5.00% - 8.00%
variable annually October 1
 

*APR -- Annual Percentage Rate
Note: Above interest rates may vary by the term of the loan as well as applicant's credit worthiness.
Business, Ag and RE loans are subject to change annually during the term of the loan.

  calculator
Share Savings Account Rates - for December 2017*
  Account
Rate
APY
Minimum Balance
  Share Savings (S1)
0.500%
0.501%
$5.00
  IRA's
2.500%

2.529%

 
  Share Draft (S80)
0.00%
0.00%
$0.00 - 199.99
  Share Draft (S80)
0.250%
0.250%
$200 and over
 

*Share Savings interest rates are declared at the start of each month. They are based on the cooperative's earnings and apply to the dividends that are paid for the current month.

  calculator
Certificate of Deposit - effective December 1, 2017
 
Term
Rate
APY*
Minimum Balance
Early Withdrawal Penalty
Special
3 months
1.18%
1.185%
$1,000
90 days dividends
6 months
0.60%
0.601%
$1,000
90 days dividends
9 months
0.80%
0.801%
$1,000
90 days dividends
  12 months
1.05%
1.054%
$1,000
90 days dividends
15 months
1.10%
1.104%
$1,000
90 days dividends
Special
18 months
1.60%
1.609%
$1,000
90 days dividends
  24 months
1.20%
1.205%
$1,000
182 days dividends
30 months
1.30%
1.306%
$1,000
90 days dividends
  36 months
1.40%
1.407%
$1,000
182 days dividends
  48 months
1.65%
1.660%
$1,000
365 days dividends
  60 months
1.90%
1.914%
$1,000
365 days dividends
Special
65 months
2.22%
2.238%
$1,000
365 days dividends
*APY means a percentage rate reflecting the total amount of dividends/interest paid on an account based on the dividends/interest rate and the frequency of compounding for a 365 day period. Certificate and IRA rates are fixed for the term of the instrument, unless otherwise disclosed. Deposits are federally insured by the NCUA up to at least $250,000, and IRA funds are separately insured to $250,000.
  calculator
Banner
  Locations & Hours
 

Kulm Office
17 South Main / PO Box 310
Kulm, ND 58456
647-2448 - 647-2449 FAX
1-877-304-0035
Monday-Friday 8:00-5:00
24 hour depository

email us

Ashley Office
106 East Main / PO Box 230
Ashley, ND 58413
288-3439 - 288-3430 FAX
1-877-588-3439
Monday-Friday 7:00-5:00
24 hour depository

email us

Hazelton Office
341 Main / PO Box 225
Hazelton, ND 58544
782-6841 - 782 6831 FAX
1-866-782-6841
Monday-Friday 8:00-5:00
24 hour depository

email us

Lincoln Office
109 McDougal Drive
Lincoln, ND 58504
751-1613 - 751-3224 FAX
1-877-304-0035
Drive up M-F 7 AM-7 PM
Lobby: M-F 8AM-6PM

ATM 24 hour depository

email us

top

Accounts On-Line | Home | About Us | Loans | Rates | Fees | FAQs | Privacy | Resources > | Links | Site Map
page last updated December 4, 2017

NCUA
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency
Credit Union National Association
Equal Housing