Hometown Credit Union
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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 February 1, 2018
  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
5.28% - 5.78%
5 yr. fixed with Balloon payment
  Business & Ag Real Estate
4.64% - 7.64%
variable annually on anniversary
  Business & Ag Real Estate
5.28% - 8.28%
5 yr. fixed with Balloon payment
  Business & Ag Operating
4.50% - 7.50%
1year term
  Ag Market Hedge
as low as 4.50%
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 January 2018*
  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 January 1, 2018
 
Term
Rate
APY*
Minimum Balance
Early Withdrawal Penalty
3 months
0.50%
0.50%
$1,000
90 days dividends
6 months
0.65%
0.65%
$1,000
90 days dividends
9 months
1.00%
1.00%
$1,000
90 days dividends
  12 months
1.05%
1.05%
$1,000
90 days dividends
  12 month Youth
2.00%
2.02%
$500 21 yrs and younger
90 days dividends
15 months
1.15%
1.16%
$1,000
90 days dividends
18 months
1.25%
1.26%
$1,000
90 days dividends
Special
21 months
1.80%
1.81%
$1000
90 days dividends
  24 months
1.35%
1.36%
$1,000
182 days dividends
30 months
1.45%
1.46%
$1,000
90 days dividends
  36 months
1.55%
1.56%
$1,000
182 days dividends
  48 months
1.65%
1.66%
$1,000
365 days dividends
Special
60 months
2.20%
2.22%
$1,000
365 days dividends
65 months
2.05%
2.07%
$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.
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  Locations & Hours
 

Kulm Office
17 South Main / PO Box 310
Kulm, ND 58456
647-2448 - 647-2449 FAX
877-304-0035
Monday-Friday 8am-5pm
24 hour ATM & depository

email us

Ashley Office
102 East Main / PO Box 230
Ashley, ND 58413
288-3439 - 288-3430 FAX
877-588-3439

Lobby: M-F 8am-5pm
Drive Up:
M-F 7am-5pm
24 hour ATM & depository

email us

Hazelton Office
341 Main / PO Box 225
Hazelton, ND 58544
782-6841 - 782-6831 FAX
866-782-6841
Monday-Friday 8am-5pm
24 hour ATM & depository

email us

Lincoln Office
109 McDougall Drive
Lincoln, ND 58504
751-1613 - 751-3224 FAX
877-304-0035
Lobby: M-F 8am-6pm
Saturday:
9am - 11am
Drive up:
M-F 7am-7pm
Saturday:
8am-12noon
24 hour ATM & depository

email us

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Accounts On-Line | Home | About Us | Loans | Rates | Fees | FAQs | Privacy | Resources > | Links | Site Map
page last updated February 20, 2018

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