Home Town Credit Union Northfield MN | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Home Town, your trusted financial partner in the heart of Northfield, MN! Established in 1974, we have proudly served our community for decades, providing exceptional banking solutions tailored to meet the needs of our members. With a total membership of 24,935, we are more than just a credit union; we are a community dedicated to helping you achieve your financial goals. Located at 2000 Honey Locust Drive, Northfield, MN 55057, our branch is designed with you in mind. While members can visit us at this address for all their banking needs, official correspondence should be sent to the same location. As a member-focused institution, we boast total assets of $270,754,764 and total deposits amounting to $10,386,426. Our commitment to you is evident in our robust financial standing and dedication to responsible lending practices. At Home Town, we understand that every member has unique needs. With over 14,414 loans and leases issued, including auto loans and personal financing options, we strive to make banking simple and accessible. Our experienced team is led by CEO Kimberly Westphal and Board President Nicole Schulz, both of whom are passionate about serving our members and enhancing your banking experience. Our community impact goes beyond numbers; it's about building relationships. We aim to create a welcoming environment where everyone feels valued and supported. With a strong net worth of $25,126,573 and cash on hand amounting to $2,584,790, Home Town stands ready to help you navigate your financial journey confidently. If you're looking for personalized banking services or have questions about our offerings ranging from checking accounts to business loans don't hesitate to reach out! Call us at 507-451-3798 or visit our website at hometowncu.coop for more information. We look forward to welcoming you into the Home Town family!

Branch History & Mission

Welcome to Home Town, a vibrant part of the Northfield community since 1974. With a legacy that spans nearly five decades, our branch has grown alongside the people we serve, evolving from a small financial cooperative into a trusted partner for over 24,000 members. Located at 2000 Honey Locust Drive, Northfield, MN 55057, we are proud to be your local credit union dedicated to helping you achieve your financial goals. From our humble beginnings, Home Town has focused on providing accessible and friendly financial services. Our mission is simple: to empower individuals and families through personalized banking solutions while actively supporting our community. We believe in the strength of relationships and strive to create a welcoming environment where every member feels valued and understood. Over the years, we have seen significant milestones that reflect our commitment to growth and innovation. Today, with total assets amounting to $270,754,764, we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our focus on customer satisfaction has been instrumental in building strong relationships within Northfield and beyond. At Home Town, we understand that convenience is key in today's fast-paced world. That's why we've embraced technology to enhance your banking experience. Our online banking platform allows you to manage your accounts anytime, anywhere, while our mobile app offers features like mobile payments and person-to-person transfers. For those who prefer face-to-face interactions, our drive-thru service makes it easy to handle transactions efficiently. In addition to our commitment to financial excellence, we take pride in our community outreach efforts. We actively participate in local events and support various initiatives aimed at improving the lives of Northfield residents. Whether it's sponsoring youth sports teams or hosting financial literacy workshops, we believe in giving back and making a positive impact. While members can visit us at 2000 Honey Locust Drive, official correspondence should be sent to the same address for consistency. Our branch operates from 8:30 AM to 5:00 PM Monday through Friday and 9:00 AM to 1:00 PM Saturday, making it convenient for you to access our services when you need them most. Join us at Home Town as we continue this journey together! Experience firsthand how our member-focused approach can make a difference in your financial life. If you're ready to take the next step or have questions about membership, don't hesitate to call us at 507-451-3798 or visit our website at hometowncu.coop. Welcome aboard!

Branch Location & Accessibility

Come Visit Us!

Whether you're looking for financial advice or just need to deposit a check, we invite you to stop by Home Town today! Give us a call at 507-451-3798 if you have any questions or need assistance before your visit. We look forward to welcoming you into our community!

Convenient Access and Amenities

At Home Town, we prioritize making banking easy for you. Our branch features ample parking right outside, ensuring that you can get in and out quickly. For those with mobility concerns, we offer ADA-compliant access to make your visit comfortable. You'll find that our lobby is open Monday through Friday from 8:30 AM to 5:00 PM, and on Saturdays, our drive-thru service operates from 9:00 AM to 1:00 PM. This flexibility means you can stop by at a time that fits your schedule. If you need cash or want to perform simple transactions outside of lobby hours, our ATM is available for your convenience as well.

Services Tailored for You

At Home Town, we offer a range of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgages, our knowledgeable staff is here to assist you every step of the way. If you're on the go, take advantage of our online and mobile banking options that allow you to manage your finances whenever it suits you. While members can visit us at 2000 Honey Locust Drive, official correspondence should be sent to the same address as our mailing address: 2000 Honey Locust Drive, Northfield, MN 55057.

Member Eligibility

At Home Town, we believe that joining our community is more than just opening an account; it's about becoming part of a family that supports each other's financial well-being. If you're looking to become a member, we welcome individuals who live or work in the local area, as well as their family members. This means that whether you're a student, a professional, or simply someone who calls this place home, there's a spot for you here! You can find all the specific eligibility details on our website. Getting started is simple! All you need to do is visit us at 2000 Honey Locust Drive Northfield Mn 55057 or give us a call at (507) 451-3798. We'll guide you through the process of opening your account, which you can also do online by visiting https://accounts.hometowncu.coop/enroll. As a member of Home Town, you'll enjoy numerous benefits including personalized service and access to a range of financial products designed with your needs in mind. We can't wait to welcome you into our growing family!

Business Banking & Commercial Services

Merchant Services

In addition to loans, our merchant services make transactions easier for your business. Imagine being able to accept payments from customers effortlessly whether they prefer credit cards or mobile payments. This capability not only enhances customer satisfaction but also streamlines your operations. Located conveniently at 2000 Honey Locust Drive Northfield Mn 55057, Northfield, MN, we invite you to explore how Home Town can be your partner in business success. For more information, reach out at (507) 451-3798 or visit us online at https://www.hometowncu.coop/. Together, let's build a brighter future for your business!

Our Loan Offerings

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For our small business members, we offer tailored solutions including merchant services and business loans. Whether you're starting out or expanding, we understand what it takes to run a successful business and are here to support you every step of the way.

Cash Services

Need quick access to cash? Our ATM services allow for easy withdrawals and balance checks whenever you need them. Plus, our basic drive-thru banking offers a simple way to handle deposits, withdrawals, and other transactions without leaving your car. At Home Town, we believe in making banking easy and accessible for everyone in the community. If you're interested in learning more about any of these services or have questions about how we can assist you further, don't hesitate to reach out at (507) 451-3798 or visit us at 2000 Honey Locust Drive Northfield Mn 55057. We look forward to helping you achieve your financial dreams!

Credit Cards

Looking for a credit card that rewards you for your spending? Our credit cards with rewards programs allow you to earn points on purchases, which can be redeemed for cash back or other exciting benefits. It's an excellent way to manage your expenses while enjoying some perks along the way.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we provide robust online and mobile banking options that let you manage your accounts anytime, anywhere. From checking balances and transferring funds to paying bills with ease, our digital tools simplify banking so you can focus on what matters most.

Loans and Financing

Thinking about buying a new car or refinancing your home? With our auto loans and vehicle financing, we can help turn your dreams into reality. Our competitive rates make it easy for you to drive away in a new vehicle without breaking the bank. Additionally, we provide mortgage loans and refinancing options that can fit any budget, ensuring that owning your own home is within reach. If you're facing unexpected expenses, our personal loans and debt consolidation services are designed to help lighten your financial load. Our team will work closely with you to find a solution that meets your needs.

Personal Banking

Managing your finances has never been easier with our personal banking options. We offer checking and savings accounts that cater to different lifestyles, making it simple to save for a rainy day or manage everyday expenses. Whether you're looking to set up your first account or seeking better interest rates, our friendly staff is here to guide you through the process.

Digital & Online Banking

Key Services

Our online banking platform is designed with you in mind. You can easily access your accounts 24/7 through our website at https://www.hometowncu.coop/. Whether you're checking balances, transferring funds, or paying bills, our user-friendly interface makes it simple to handle your banking needs without any hassle. If you're always on the go, our mobile application is a must-have. Available for both iOS and Android devices, it allows you to manage your finances while you're out and about. Want to make payments quickly? With our mobile payments feature, sending money is just a few taps away. Plus, our person-to-person transfer option lets you send funds directly to friends or family with ease.

Security Features

At Home Town, we understand that security is a top priority for our members. That's why we offer electronic signature authorization for added protection when signing important documents online. Additionally, e-statements are available so you can review your account statements securely and environmentally friendly no more paper clutter! You can feel confident knowing that all your transactions are protected by robust security measures. Our online banking system is designed to keep your information safe while giving you real-time access to your accounts. In conclusion, digital and online banking at Home Town offers a convenient way to manage your finances while ensuring safety and ease of use. Join us today and experience the benefits of modern banking!

Financial Strength

At Home Town, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With our strong foundation and commitment to serving you, we are proud to share our financial strength as a testament to our reliability. With a net worth of $25,126,573, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.28% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $70,618,545 in share certificates and $37,896,791 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $24,707,777 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $6,657 in used auto loans and $207,098,932 in total loans and leases. Our operational efficiency is reflected in our $698,239, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 55 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $1,055,456. Total Share and Deposit Accounts: 46,882, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Home Town is your trusted partner. Visit us at 2000 Honey Locust Drive Northfield Mn 55057 or call (507) 451-3798 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $98,536,790 in used vehicle loans and $36,431,488 in new vehicle loans already helping members get on the road. Whether you are interested in financing a brand-new model or a reliable used vehicle, our team is here to assist you through every step of the process.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,274,337 in loans helping members manage their finances effectively. Our credit cards come with features designed to fit your lifestyle and spending habits, providing an easy way to handle both daily purchases and unexpected expenses.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $19,743,818, make buying or refinancing simple. We aim to empower you with the resources and knowledge necessary to secure your dream home while ensuring that our terms work for your budget.

Personal & Business Financing

In addition to personal loans, we cater to business owners as well. While we currently do not have outstanding commercial loans available, we encourage entrepreneurs to reach out for future opportunities as they arise. If you're considering refinancing any existing loans or exploring eligibility options for any of our loan products, please don't hesitate to contact us at (507) 451-3798 or visit us at 2000 Honey Locust Drive Northfield Mn 55057 in Northfield, MN. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Home Town, we're dedicated to supporting your financial journey with clarity and transparency.

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HOME TOWN FEDERAL CREDIT UNION - Northfield, MN

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