|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Hometown Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 14, 2026
Hometown Federal Credit Union's 16 Month CD Special rates are at 4.00%, 16-Month Special CD rates are at 4.00%, 7 Month CD Special rates are at 4.00%, 7-Month Special CD rates are at 4.00%, 48 month CD rates are at 2.50%. Hometown Federal Credit Union's savings rates are at 0.05%. Hometown Federal Credit Union's money market rates are at 0.70%. Hometown Federal Credit Union's Personal Loan Rates are as low as 9.99%. Hometown Federal Credit Union's Credit Card Rates are at 10.90%. MonitorBankRates evaluates the financial stability of Hometown Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.75%. Rates last updated and verified on 09/14/2026. Hometown Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Hometown Federal Credit Union? Share your experience about Hometown Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Hometown Federal Credit Union. Hometown Federal Credit Union
Bridge Street 2400 W Bridge St
https://www.hometownfcu.org/ Owatonna, MN 55060-5003 
Hometown Federal Credit Union CD Rates
Hometown Federal Credit Union Savings Rates
Hometown Federal Credit Union Money Market Rates
Hometown Federal Credit Union Checking Rates
Hometown Federal Credit Union Home Equity & HELOC
Hometown Federal Credit Union Auto Loan Rates
Hometown Federal Credit Union RV, Boat and Powersport Loan Rates
Hometown Federal Credit Union Credit Card Rates
Hometown Federal Credit Union Personal Loan Rates
Hometown Federal Credit Union Other Rates
Financial Health HistoryHometown Federal Credit Union’s Texas Ratio rose from 1.90% in Q2 2023 to 3.75% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Hometown Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Hometown Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Hometown Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Hometown Federal Credit Union
Website
https://www.hometownfcu.org/
Address
2400 W Bridge St,
Owatonna, MN 55060-5003
Phone
507-451-3798
Fax
507-446-8113
President
Perry Christensen
CEO
Chad Corcoran
Full-Time Employees
57
Part-Time Employees
3
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.75%
Return on Assets (ROA)
0.2362%
Return on Equity (ROE)
2.3511%
Non-Performing Loans Ratio (NPL)
0.61%
Total Assets
295,618,136
Total Amount of Shares and Deposits
265,062,976
Total Shares and Deposits < 1 Year
255,285,082
Total Shares and Deposits 1 3 Years
9,668,511
Total Shares and Deposits > 3 Years
109,383
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,487,609
Total Uninsured Shares and Deposits > $250K (F+J)
9,487,609
Total Insured Shares and Deposits > $250K (item 17 less item K)
255,575,367
Total Interest Expense (Sum of items 6 8)
752,401
Share Certificates
2,144
Number of Accounts for Share Drafts
16,085
IRA KEOGH Accounts
436
Number of Accounts for Regular Shares
28,197
All other shares
444
Money Market Shares
1,532
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
23,940,571
Total Liabilities
268,271,250
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Hometown Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Hometown Federal Credit Union
Frequently Asked Questions About Hometown Federal Credit UnionHow many branches does Hometown Federal Credit Union operate?Hometown Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Hometown Federal Credit Union?Yes, to access services at Hometown Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Hometown Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Hometown Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Hometown Federal Credit Union offer online and mobile banking?Most modern institutions like Hometown Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hometownfcu.org/. Current Hometown Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Saints Peter & Paul Federal Credit Union
Del Rio SP Credit Union
UPS Employees Credit Union
1st Cooperative Federal Credit Union
BCM Federal Credit Union
Beckstrand and Associates Credit Union
ASHLAND COMMUNITY
PALCO Federal Credit Union
River Community Credit Union
Rushmore Electric Federal Credit Union
Addition Financial Credit Union
Pilgrim Baptist Credit Union
Chicago Firemans Assoc Credit Union
Kinzua Federal Credit Union
Northern Communities Credit Union
Kennaford Federal Credit Union
Duke University Federal Credit Union
Fellowship Credit Union
Gale Credit Union
Midwest Family Federal Credit Union
RVA Financial Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking