Hometown Credit Union Lincoln ND | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Hometown, your trusted financial partner located at 109 Mcdougall Dr Ste 5, Lincoln, ND 58504. Established in 1949, our credit union has grown to serve over 3,400 members and manage assets totaling $203,345,491. We believe in building strong relationships with our community and providing a range of financial services designed to meet the unique needs of our members. At Hometown, we pride ourselves on offering personalized banking solutions such as checking and savings accounts, auto loans, mortgage options, and business banking services. Our commitment to member satisfaction is reflected in our total deposits of $6,219,150 and a healthy net worth of $30,405,353. With cash in hand amounting to $517,086, we ensure that we are always ready to support your financial aspirations. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 109 McDougall Dr Ste 5, Lincoln, ND 58504-8139. Our dedicated team of 50 employees, led by CEO Harold Hagen and Board President Rodney Kinzler, works tirelessly to provide excellent service and support for every member. Whether you're looking for personal loans or business financing Hometown is here for you. Feel free to reach out via phone at 701-751-1613 or explore more about our offerings on our website Hometown Credit Union. We're excited to help you achieve your financial goals!

Branch History & Mission

Commitment to Innovation

As times change, so do we. Hometown embraces digital advancements to enhance your banking experience. From online banking and mobile payments to ATM access and drive-thru services, we aim to make managing your finances easier than ever. We are also dedicated to being ADA compliant so that all members can enjoy equal access to our facilities and services.

Community Engagement

We believe in strengthening our community by supporting local events and initiatives that make a positive impact. Our team actively participates in various outreach programs designed to uplift those around us and foster a sense of belonging among residents. As we look towards the future, we invite you to join us on this journey. Experience firsthand the benefits of being a member of Hometown. Visit us today or give us a call at 701-751-1613. Together, let's build a better future for you and our community!

Our Mission

Our mission at Hometown is clear: We strive to provide personalized financial solutions while fostering strong relationships within our community. We believe that banking should be straightforward and beneficial for all. That's why we focus not only on delivering excellent financial services but also on giving back to Lincoln through various outreach initiatives and partnerships with local organizations. While members can visit us at our main branch location, official correspondence should be sent to our mailing address: 109 McDougall Dr Ste 5, Lincoln, ND 58504-8139.

Branch Location & Accessibility

Accessibility and Nearby Landmarks

Our branch is situated close to popular landmarks like the Lincoln City Hall, making it a familiar spot for residents. We offer ample parking spaces, ensuring that you have no trouble finding a spot when you visit. For those who may need extra assistance, our branch is ADA compliant with ramps and accessible entrances, so everyone can enjoy our services comfortably.

Call to Action

We invite you to stop by and experience the welcoming atmosphere at Hometown's Lincoln Branch. If you have any questions or need assistance before visiting, don't hesitate to give us a call at (701) 751-1613. We look forward to serving you!

Operating Hours

We understand that your time is valuable. That's why our lobby is open from 8 AM to 6 PM on weekdays, giving you plenty of time to manage your finances. If you're in a hurry, take advantage of our drive-thru service available from 7 AM to 7 PM for quick deposits and withdrawals without having to leave your vehicle.

Services Offered

At Hometown's Lincoln Branch, we offer a wide range of services tailored to meet your needs. Whether you're interested in personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, our friendly staff is here to help. Plus, with ATM availability on-site, you can easily access cash whenever you need it. While members can visit us at 109 Mcdougall Dr Ste 5 Lincoln Nd 58504, official correspondence should be sent to our mailing address at 109 McDougall Dr Ste 5, Lincoln, ND 58504-8139.

Member Eligibility

At Hometown, we believe that everyone deserves the chance to be part of a caring financial community. Becoming a member is straightforward and welcoming! If you live, work, or attend school in our local area, you're likely eligible to join us. We embrace individuals from all walks of life and encourage you to explore the benefits of membership, which include personalized service, competitive rates on loans and savings accounts, and access to a range of financial products designed just for you. To find out more about specific eligibility criteria, feel free to visit our website. Ready to get started? Opening an account with us is simple! Just reach out to us at (701) 751-1613 or drop by our branch located at 109 Mcdougall Dr Ste 5 Lincoln Nd 58504. Our friendly staff is here to guide you through the process and answer any questions you may have. We can't wait to welcome you into the Hometown family!

Business Banking & Commercial Services

Funding Your Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $877 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $141,081,512, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Simple

In addition to loans, we offer comprehensive merchant services that simplify transactions for your business. Imagine being able to accept payments seamlessly, whether in-person or online. Our services empower you to manage your cash flow effectively, allowing you to focus on what matters most growing your business. Visit us at 109 Mcdougall Dr Ste 5 Lincoln Nd 58504 in Lincoln, ND, or call us at (701) 751-1613 to learn more about how our business banking and commercial services can work for you!

Comprehensive List Of Services

Accessibility and Support

We know life can be busy, so we've made it easy for you to handle your banking needs on the go. Our drive-thru service is available for deposits and simple transactions from 7 AM to 7 PM, making it convenient for those who are always on the move. At Hometown, we are dedicated to supporting our members with exceptional financial products and services designed to enhance their lives. Explore all these offerings and more by visiting us at Lincoln Branch today! Ready to take charge of your financial future? Reach out to us at (701) 751-1613 or visit us in person at 109 Mcdougall Dr Ste 5 Lincoln Nd 58504 we look forward to serving you!

Business Banking Services

If you're a business owner, you'll be pleased to find that we offer comprehensive business banking services as well. From merchant services that simplify payment processing to business loans that fuel growth, we understand the unique needs of businesses in our community.

Credit Options with Benefits

Don't forget about our credit card options! With rewards programs tailored to your spending habits, using your card becomes not just convenient but rewarding too. Whether it's for everyday purchases or special occasions, our credit cards offer flexibility and perks.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features. Manage your accounts anytime, anywhere with easy access through our website or mobile app. You can perform transactions like cash withdrawals and balance checks at our ATM or utilize drive-thru banking for quick service without leaving your car.

Personal Banking Solutions

For those looking to manage their personal finances, our offerings include checking and savings accounts tailored to your lifestyle. Imagine having a checking account that not only helps you keep track of your spending but also earns interest over time. We also provide auto loans and vehicle financing options that make getting behind the wheel easier than ever. If you're dreaming of owning a home, our mortgage loans and refinancing options can help turn that dream into reality. Additionally, our personal loans are perfect for debt consolidation or unexpected expenses, giving you peace of mind.

Digital & Online Banking

Enhanced Security and Convenience

Your security is our top priority. While we do not currently support electronic signature authorization, we continuously implement robust security measures to protect your personal information. We encourage members to take advantage of our mobile payments feature, which allows for quick and safe transactions right from your device. Need to send money to a friend? Our person-to-person transfers make it easy to send cash quickly and securely without the hassle of writing checks or carrying cash. At Hometown, we're committed to making banking accessible and easy for all our members. Explore the full range of our digital services today by visiting https://www.hcuonline.com/, and experience banking that fits into your lifestyle!

Key Features of Our Digital Banking Services

Our online banking platform is user-friendly and secure, making it easy for you to check balances, pay bills, and transfer funds. You can enjoy 24/7 access to your accounts, ensuring that you have real-time control over your finances whenever you need it. Whether you're at home or on the go, managing your money has never been simpler. In addition to standard online banking features, we also offer e-statements. This means you can easily keep track of your financial transactions without the clutter of paper statements. Plus, with our mobile application available, you can perform banking tasks directly from your smartphone whether it's depositing checks or checking your balance.

Financial Strength

At Hometown, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share insights into our financial strength, demonstrating our commitment to serving you reliably. With a net worth of $30,405,353, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 14.95% showcases 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 $96,231,281 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,325,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $29,290,808 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 $397 in used auto loans and $168,770,338 in total loans and leases. Our operational efficiency is reflected in our $787,104, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 35 full-time employees and 15 part-time employees who are ready to assist you with a knowledgeable and committed team. Net Shares available for lending and investments amount to $205,614, while our total share accounts reach 9,648, 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, Hometown is your trusted partner. Visit us at 109 Mcdougall Dr Ste 5 Lincoln Nd 58504 or call (701) 751-1613 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 $5,271,800 in used vehicle loans and $419,678 in new vehicle loans already helping members get on the road. We provide flexible terms and quick approvals, making it easier than ever to drive off in the vehicle you need.

Business Loans

For business owners, our outstanding commercial loans totaling $141,081,512 provide the capital needed to grow and expand your business operations. Our team understands the unique challenges businesses face and is ready to support you with tailored financing solutions. At Hometown, we prioritize your financial well-being by offering a range of loan products designed with you in mind. For more details on how we can assist you further or if you have questions about eligibility or refinancing options, don't hesitate to reach out! You can visit us at 109 Mcdougall Dr Ste 5 Lincoln Nd 58504, call us at (701) 751-1613, or explore our offerings online at https://www.hcuonline.com/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Card Loans

Managing day-to-day expenses is easier with our unsecured credit card loans. With a total of $248,103 in loans, we provide flexible terms that help our members manage their finances effectively. Whether it's for unexpected costs or planned purchases, our credit cards come with benefits designed to suit your lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,014,956, make buying or refinancing simple. We offer competitive rates and personalized service to guide you through every step of the process. If you're considering refinancing, our team can help determine your eligibility and find the best solution for your needs.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This guarantees fair and transparent offers for all users. Each lender's rates are updated regularly, reflecting the current market conditions to help users make informed choices.

HOMETOWN CREDIT UNION - Lincoln, ND

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