Hometown Credit Union
Kulm office
Ashley Office
Hazelton office
Lincoln Office

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About HCU


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At Hometown Credit Union our members are worth more than money

Our Purpose
Hometown Credit Union is a financial cooperative which is owned and operated for its members. We seek to promote thrift and economic development of our trade area. We strive to provide the best possible financial services to meet member's needs. Hometown Credit Union seeks to grow while maintaining its long-term financial stability.

Our Values
• Committed to balancing member needs with financial soundness
Reliable in being available, offering competitive products, and resolving issues
Respectful of members' time and needs, and each others
• Responsive to members and each other
• Quality oriented in service and products, and in our work with each other

Hometown History…
We trace our roots to Kulm, ND where we were chartered as Kulm Credit Union on December 10, 1949 to help people (mostly farmers) get credit so they could improve their farms and their lives. By May 13, 1950 there were 54 members with share savings of $3,512.32. At first we operated out of a single room in the Farmers Union Oil building. For many years the small but financially sound "small town" credit union helped its members achieve their financial goals. While Credit Unions in surrounding towns came and went, and merged with "big city" Credit Unions, Kulm Credit Union remained committed to its local membership. Assets of the Credit Union reached $1,013,305.14 at the end of February 1974.

In 1987 a group of people from the Ashley area approached the Kulm Credit Union Board of Directors to see if they would consider buying the Ashley Branch of Metropolitan Federal Savings and Loan, which was being closed. The acquisition was approved by the member/owners, and on June 6, 1988 our name was officially changed to Hometown Credit Union. While our membership base expanded, our hometown commitment remained strong.

In the early 1990s the residents of Emmons county found themselves in difficult economic times. 1995 the Board of Directors of the Hazelton Credit Union - the only remaining Credit Union in Emmons County - approached the Hometown Credit Union board about merging the two financial institutions. On May 1, 1995 Hometown Credit Union took over all of their assets and liabilities, and our Hazelton branch office was established.

Our newest branch was opened on August 7, 2017 in Lincoln, ND. Lincoln, a suburb of Bismarck, is one of the fastest growing cities in North Dakota. This "urban" location will help Hometown Credit Union expand its deposit base and diversify our portfolio. By the end of 2017, deposits in the Lincoln branch reached $1 million.

Hometown Facts…
• Number of Members: 3004 (Dec. 31, 2017)
• Asset Size: $112,519,206 (Dec. 31, 2017)
• Loans made since organizing: $642.4 million

• Assets December 31, 1974 were $1,173,945
• Assets reached $10 million in 1995
• Assets reached $25 million in 2005
• Assets reached $49.5 million in 2009
• Assets reached $57.3 million in 2010
• Assets reached $66.5 million in 2011
• Assets reached $77.2 million in 2012
• Assets reached $90 million in 2014
• Assets reached $108 million in 2016

Board of Directors, Committees & Staff

Board of Directors
Rodney Kinzler, Chairman (Kulm)

Josh Land, Secretary (Kulm) 
Carl Lindgren (Ashley) 
James McLeish (Hazelton) 
MikeTaszarek (Kulm)

Supervisory Committee (PO Box 36, Kulm, ND - 647-2465)
Rodney Brosz

Kulm Office  email
Harold Hagen, CEO/President email
Betty Gunderson, Sr. VP of Finance email
Steve Anderson, Sr. VP of Lendingemail
Mavis Brosz VP of Member Services email
Brandy Klusmann, VP of Administration email
Layton Johnson, VP of Ag Lending email
John Elhard, Ag Loan Officer email
Lisa Irion, MSR email
Joleen Kinzler, MSR email
Ann Laeger, Lending Admin. Asst.
Julia Mathern, Accounting Manager email
Marsha Nitschke, Consumer Loan Officer  email
Heather Palmer, Mortgage Loan Officer email
Daphne Schlepp, Operations Assistant email

Ashley Branch email
Pam Schnabel, Branch Manager email
Deane Bertsch, MSR email
Terry Mettler, VP Compliance email
Paul Nies, VP IS&T email
Kara Scherbenske, Loan Officer email
Abby Wolf, MSR email

Hazelton Branch email
Patty Flegel, Branch Manager email
Holly Bender, MSR email
Gretta Grenz, MSR email
Tammy Fode, MSR email
Charles Steinberger, Ag Loan Officer email

Lincoln Branch
Sheree Bertsch, Branch Manager email
Connie Hummel, Mortgage Loan Officer email
Stephanie Azure, MSR email
Karla Glass, Teller email
Lisa Vetter, MSR email
Aspyn Mees, Teller email

The Credit Union Difference …
A credit Union is a cooperative financial institution that is owned and controlled by its members - very much like your rural electric and telephone cooperative. Credit unions serve groups of people that share something in common. Hometown Credit Union members have where we live in common – our membership is only open to those living within an area consisting of a 75-mile radius of Kulm, and 50 mile radius of Hazelton, ND.

Credit unions are non-profit, and provide a safe, convenient place for members to save money and get loans at reasonable rates. The credit union idea is a simple: People pool their money and make loans to each other. Banks, Savings & Loans and Credit Unions all accept deposits and make loans. But Banks and savings & loans are owned by stockholders whose interests include earning a healthy return on their investments - they are in business to make a profit.

Like other financial institutions, Credit unions are closely regulated and operate in a very prudent manner. The National Credit Union Administration, an agency of the federal government, insures deposits to at least $250,000.

Who Runs The Credit Union?
Credit Unions are not like other financial institutions.  They are cooperatives.  Members vote for the credit union’s board of directors.  Officers and directors are chosen from the membership and serve on a voluntary basis.  Each member has one vote.  There are no outside stockholders, so after reserves are set aside, earnings are returned to members in the form of dividends on savings, attractive loan rates and the development of new services.

The guiding principles of Credit Unions are:

  • Credit unions exist “not for profit, not for charity, but for  service”.
  • Credit unions are owned by their members.
  • Credit unions are safe.  Deposits are insured up to $250,000 by the National Credit Union Administration.
  • Credit unions have improved the economic well-being of their members not only in this country, but also in over 70 countries throughout the world.
  • Credit unions have, for over 100 years, been committed to providing low-cost loans and fair return on savings to their members.
  • Credit unions serve their members – not profit-driven stock-Holders – and claim “people helping people” as our creed.
  • Credit union members share something in common – they work at the same place, attend the same church, belong to the same professional group or live in the same community.
  • Credit unions’ directors are elected by the membership, from the membership, and serve without pay; service to members is their reward. This member-serving board of directors guarantees that the credit union is looking out for the interests of its members..

In 1934 Congress passed a federal credit union act, which permitted credit unions to be organized anywhere in the United States. In 1935, when credit unions were helping Americans through the Great Depression, the treasurer of a midwestern credit union said that credit unions were "not for profit, not for charity, but for service," and that philosophy holds true today.

You can learn more are about Credit Unions in North Dakota at the Credit Union Association of the Dakotas.

Upcoming Events

  Locations & Hours

Kulm Office
18 South Main / PO Box 310
Kulm, ND 58456
647-2448 - 647-2449 FAX
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

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
Monday-Friday 8am-5pm
24 hour ATM & depository

email us

Lincoln Office
109 N. McDougall Drive #5
Lincoln, ND 58504
751-1613 - 751-3224 FAX
Lobby: M-F 8am-5pm
Drive up: M-F 7am-7pm
24 hour ATM & depository

email us


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page last updated January 2, 2019

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
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