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Our members are worth more than money

About HCU

Since 1949, we have provided our members with a place to save their hard-earned money and earn excellent dividend rates on those savings, while offering loans at the lowest rates possible. Our sole purpose is to help our member-owners with all their financial needs through all walks of life.

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 members’ needs. Hometown Credit Union seeks to grow while maintaining its long-term financial stability. 

Our Values

Committed to balancing members’ 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

Map of territory


Anyone who lives within a 75 mile radius of our Kulm, or 50 mile radius of our Hazelton, ND offices.

 “ONCE A MEMBER, ALWAYS A MEMBER” –  Your financial and economic interests will continue to be a matter of personal and direct concern to your Credit Union, even if life takes you away from your hometown. All of our services remain at your disposal and we hope you will continue to make full use of them.

Your savings are secure and are federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), an arm of NCUA. The NCUSIF is backed by the full faith and credit of the United States government. Your IRA retirement accounts are insured up to $250,000. Click here for more details.

In true cooperative spirit…More than 186 million people worldwide belong to a credit union just like Hometown Credit Union. When you go to the credit union, you’re not just a customer-you’re a member. It really is “your credit union.” Banks belong to shareholders, hoping to profit from your transactions. At a credit union, any earnings are returned to you in the form of better rates on loans and savings. Your voice is heard through our volunteer Board of Directors who are elected by you and other members of Hometown Credit Union. As a not-for-profit financial cooperative, your funds are invested locally, helping other member owners from our community.

Hometown Credit Union’s commitment to our local communities means service you can trust, where you need it most.

HCU 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. In 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.

On August 7, 2017 we opened a branch in Lincoln, ND. Lincoln, a suburb of Bismarck. Lincoln 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.

After the only financial institution in Medina closed, local citizens approached Hometown Credit Union about opening a branch in their town. Seeing their need and recognizing a good “hometown” fit, our newest branch opened in Medina, ND on December 1, 2021.

HCU Facts

• Number of Members: 3322 (Dec. 31, 2019)
• Asset Size: $134,163,609 (Dec. 31, 2019)
• Loans made since organizing: $751.4 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

Communities in our service territory


Barnes Litchville
Burleigh Arena, Baldwin, Bismarck, Driscoll, Lincoln, McKenzie, Menoken, Moffit, Sterling, Wing
Dickey Ellendale, Forbes, Fullerton, Guelph, Ludden, Merricourt, Monango, Oakes
Emmons Braddock, Hague, Hazelton, Kintyre, Linton, Strasburg, Temvik, Westfield,
Kidder Crystal Springs, Dawson, Steele, Tappen



Adrian, Alfred, Berlin, Dickey, Edgeley, Jud, Kulm, LaMoure, Marion, Nortonville, Grand Rapids, Verona
Logan Burnstad, Fredonia, Gackle, Napoleon
McIntosh Ashley, Lehr, Venturia, Wishek, Zeeland
Morton Breien, Flasher, Fort Rice, Huff, Mandan, St. Anthony
Sargent Crete
Sioux Cannon Ball, Fort Yates, Selfridge, Shields, Solen
Stutsman Cleveland, Eldridge, Jamestown, Medina, Millarton, Montpelier, Streeter, Sydney, Windsor, Ypsilanti,
South Dakota Artas, Barnard, Eureka, Frederick, Hecla, Herreid, Kenel, Leola, Long Lake, Pollock
Board of Directors

Rodney Kinzler, President (Kulm) 
Josh Land, Vice President (Kulm)
Darvin Fischer, Secretary (Ashley)
Sandra Baumgartner, IT Committee (Hazelton)
Mike Taszarek, Credit Committee (Kulm)

SuperVisory Committee

Terry Mettler

Phone: (701) 288-3175


Hometown Credit Union Supervisory Committee
PO Box 282
Ashley, ND 58413

Image of Platinum Credit Card

To report a lost or stolen Credit Card: 1-833-756-8580
To report a lost or stolen Debit Card: 1-800-472-3272


























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 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 about Credit Unions at

Frequently Asked Questions

When are you open?

Kulm, Hazelton, and Medina offices are open from 8:00 AM to 5:00 PM Monday thru Friday.
Ashley and Lincoln branches: Drive-thru: 7:30 AM to 5:00 PM Monday thru Friday. Lobby: 8:00 AM to 5:00 PM Monday thru Friday.
Our HCU Online web site and mobile banking app allows to check balances and transfer funds any time, 24/7.
All locations have a 24/7 ATM.

When do you start your next business day?

Transactions conducted after 4:00 p.m. are processed the next business day. The cutoff time for some transactions, such as wire transfers is 2:30 p.m.

When does my debit card transactions post?

Your Hometown Credit Union VISA debit card transactions are real-time. Debit card transactions subtract from your share draft (checking) account’s “Available” balance as soon as you swipe your card. The “Balance” and “Available” amounts shown in your on-line account will be different until the transaction posts (clears your account), which may be from 1-3 days. Your debit card will not work if you attempt a transaction that is greater than the available balance. As soon as you transfer funds in to your share draft account (either on-line, with the mobile app, or by calling a member service rep) your available balance will be credited.

Is there a service charge for IRA savings accounts?

No, there is no service charge to open or maintain an IRA account.

I forgot my Advantage PIN (personal identification number). Can you help?

Yes, please give us a call or stop by during business hours. You will need to provide positive identification.

What is a Credit Union?

A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations.The result: Credit unions are a safe harbor for consumer savings. Members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.


What is the minimum dollar amount that needs to be in my account?

Share draft – The minimum balance required is $5.00 in your savings account. There is no monthly service charge for our share draft accounts. However, you will be accessed a transaction fee if we need to transfer funds from your share account to cover a share draft. To avoid a service charge, simply ask us to transfer funds before your account is overdrawn.

Are My Deposits Safe?

The shares in your credit union are insured by the National Credit Union Share Insurance Fund (NCUSIF), an arm of NCUA. The NCUSIF is backed by the full faith and credit of the United States government.Your share insurance is similar to the deposit insurance protection offered by the Federal Deposit Insurance Corporation (FDIC). Individual accounts are insured up to $250,000. Retirement and joint accounts may have higher coverage. Check out the links below for specific details.

Not one penny of insured savings has ever been lost by a member of a federally insured credit union. The federal insurance fund has several programs to help insured credit unions which may be experiencing problems. Liquidations or failures are a last resort. If a federally insured credit union does fail, however, the NCUSIF will make any necessary pay outs to the credit union’s members.

As a member of an insured credit union, you do not pay directly for your share insurance protection. Your credit union pays into the NCUSIF a deposit, and an insurance assessment, based on the total amount of insured shares and deposits in the credit union. Insured credit unions are required to deposit and maintain one percent of their insured shares and deposits in the NCUSIF.

Credit unions as a whole are healthy, with strong balance sheets, and are well capitalized. Their overall capital-to-asset ratio stands at a very solid 11.1% (compared to 10% for banks). In dollars, that’s a capital cushion of $90 billion. Nation-wide, credit union mortgage delinquencies at the end of the first quarter of 2008 stood at only 0.7%. First mortgage charge-offs were a minuscule 0.06%. Across the board, credit union loan delinquencies are at a very low 1.0%.

For more information on share insurance, checkout the following information from NCUA:

NCUA Share Insurance Estimator

Share Insurance FAQ

What Is NCUA?

The National Credit Union Administration (NCUA) is the independent federal agency that charters and supervises federal credit unions and insures savings in federal and most state-chartered credit unions across the country. NCUA, backed of the full faith and credit of the U.S. government, operates the National Credit Union Share Insurance Fund (NCUSIF) insuring the savings of 80 million account holders in all federal credit unions and many state-chartered credit unions.

Other Questions?

Do you have a question that is not answer here? If so, simply drop us an email and we’ll answer it for you. If it is a question that other members need to know we’ll add it to this question page.

Join Our Team

Want to help people achieve their financial dreams? We are always searching for hardworking, personable and highly motivated individuals who share our goals, values and the enthusiasm to join our team.

Working together, we operate a fun and family-oriented work environment where every associate has the opportunity to learn and grow in their career. 


Senior Loan Officer

We are seeking a full-time  Senior Lender in the Kulm, ND location. We are looking for a member focused, energetic individual with strong communication skills and solid decision making abilities. Responsibilities will include developing relationships with agricultural-based members, originating loans and servicing existing loan portfolios, taking an active role in the community, and being a supervisor for other loan officers. 

Experience with agriculture, finance, or accounting and lending experience is preferred. Salary is negotiable based upon experience.


Member Service Representative

We are seeking a Member Service Representative in our Ashley, ND location. 

This individual will be primarily responsible for handling member transactions in a courteous, confidential and efficient manner. The successful applicant must have strong communication, interpersonal and member service skills, the ability to use a computer and learn new programs, possess cash handling skills, and be willing to learn, understand and follow credit union policies, procedures and regulations.

For consideration send cover letter and resume to:
Hometown Credit Union
Attn: Human Resources
PO Box 230
Ashley, ND 58413

We are an Equal Opportunity Employer


102 E. Main St.
PO Box 230
Ashley, ND 58413

      701-288-3430 FAX

Email us

Lobby: M-F 8am-5pm
Drive Up: M-F 7:30am-5pm
24 hour ATM & depository


18 Main Ave S.
PO Box 310
Kulm, ND 58456

      701-647-2449 FAX

Email us

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


341 Main St.
PO Box 225
Hazelton, ND 58544

      701-782-6831 FAX

Email us

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


109 N. McDougal Dr.
Suite #5
Lincoln, ND 58504

      701-751-3224 FAX

Email us

Lobby: M-F 8am-5pm
Drive up: M-F 7:30am-5pm
24 hour ATM & depository


301 5th Ave SE
PO Box 727
Medina, ND 58467

      701-486-3235 FAX

Email us

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

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