HOMETOWN CREDIT UNION

The mission of Hometown is simple yet impactful: to empower our members through accessible financial services while actively supporting our local community. We believe that everyone deserves the opportunity to achieve their financial goals, whether it's securing an auto loan or planning for retirement. Our offerings include personal banking services such as checking and savings accounts, mortgage loans, vehicle financing, and business banking solutions. While you can visit us at our Medina branch for face-to-face assistance during our operating hours from 8 AM to 5 PM, Monday through Friday, we also embrace modern banking conveniences. With features like online banking and mobile payments, managing your finances has never been easier. In addition to providing financial services, we are deeply committed to giving back to the Medina community. Through partnerships with local organizations and outreach initiatives, we strive to make a positive impact on those around us. If you need to reach out to us or send official correspondence, please note that while our branch address is 301 5th Ave SE, Medina, ND 58467, you can also send mail to our headquarters at 18 Main Ave S, Kulm, ND 58456. We invite you to experience the difference at Hometown. Join us today and discover how we can help you achieve your financial dreams while being part of a supportive community. For more information or assistance, don't hesitate to contact us at 701-486-3232 or visit us online at HCU Online. Together, let's build a brighter financial future!

Need cash on the go? Our ATM is available for quick withdrawals and balance checks whenever you need it. We invite you to come by the Hometown Medina Branch or give us a call at 701-486-3232 if you have any questions. Our friendly team is ready to assist you with all your banking needs!

At our Medina location, we've made sure that everyone can easily access our services. Our branch is fully ADA compliant, featuring ramps and spacious parking options right outside for your convenience. We aim to make your visit as comfortable as possible.

We're open from 8 AM to 5 PM Monday through Friday, making it easy for you to stop by before or after work. During your visit, you can take advantage of various services we offer. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, if you're in a hurry, our drive-thru service allows you to handle deposits and withdrawals quickly.

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.

In addition to loans, we offer practical merchant services that simplify payment processing for your business. Imagine being able to accept payments seamlessly through various channels whether in-person or online allowing you to focus more on what you do best: running your business. Visit us at 301 5Th Ave Se Medina Nd 58467 in Medina, ND, or call us at (701) 486-3232 to learn how our business banking and commercial services can help you thrive.

Need cash quickly? Our ATM services allow for easy withdrawals and balance checks without stepping into the branch. We also offer basic drive-thru banking for quick deposits and simple transactions if you prefer face-to-face interactions but are short on time. At Hometown, we strive to make banking as straightforward and convenient as possible. With all these services available under one roof, it's easier than ever to achieve your financial goals. If you have any questions or would like more information about how we can assist you further, please don't hesitate to reach out at (701) 486-3232. We're here for you! Come visit us at 301 5Th Ave Se Medina Nd 58467 in Medina, or explore more about our offerings on our website: Medina Branch. Your journey toward financial success starts here!

If you're a business owner, our Business Banking services are here to support you. From merchant services that make transactions smooth for your customers to business loans that help fuel growth, we aim to empower local businesses.

For those who love rewards, our credit cards come with exciting benefits designed to give back to you. Imagine earning points on every purchase while managing your expenses efficiently!

In today's fast-paced world, we know how important it is to have access to banking anytime and anywhere. That's why we provide robust online and mobile banking features. You can check balances, transfer funds, and pay bills right from your smartphone or computer. Plus, with options like person-to-person payments, sharing money with friends or family has never been easier.

We understand that everyone's financial journey is unique, which is why we offer Personal Banking options that cater to your specific needs. Whether you are opening a checking or savings account, planning for a big purchase with an auto loan, or looking for ways to finance your dream home through our mortgage loans and refinancing, we've got you covered. Our personal loans and debt consolidation options can help simplify your finances and reduce stress.

Need to send money to a friend? With our person-to-person transfer feature, splitting bills or sending gifts has never been easier. Our goal is to make your banking experience as straightforward as possible. Whether you're checking balances or making payments, everything is designed with you in mind. Join us at Hometown and discover how our digital banking services can simplify your financial life today!

Our online banking platform, accessible at https://www.hcuonline.com/ , allows you to check balances, transfer funds, and pay bills with ease. You can enjoy the peace of mind that comes with 24/7 access to your accounts, making it easy to stay on top of your financial health. Plus, our mobile application lets you take banking on-the-go whether you're at home or out and about.

Security is our top priority. We use advanced technology to protect your information, so you can focus on what matters most. While we don't currently offer electronic signature authorization, we do provide e-statements for easy access to your account statements without the clutter of paper. You can also set up mobile payments for quick transactions right from your phone.

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 is robust: we have $397 in used auto loans and $168,770,338 in total loans and leases to support your financial goals across various sectors. Our operational efficiency is reflected in our $1,114,545, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 35 full-time employees and 15 part-time employees who are always ready to serve you with a knowledgeable, committed team.

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 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 $1,495 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

With total share accounts at 9,648, our growing member base trusts us with their finances. The funds available for lending and investments stand at $205,614, highlighting our ability to support your needs effectively. 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 301 5Th Ave Se Medina Nd 58467 or call (701) 486-3232 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.

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. Whether you're interested in financing a new or used vehicle, we have options tailored for you.

For business owners, our outstanding commercial loans totaling $141,081,512 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance your current operations, we're here to support your business aspirations.

We also offer flexible terms on unsecured credit card loans, with a total of $248,103 in loans helping members manage their finances effectively. Our credit cards come with various benefits, making them a practical choice for everyday purchases and emergencies alike.

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 aim to provide competitive rates and flexible terms that suit your budget and lifestyle.

If you're considering refinancing existing loans or exploring eligibility options, our team at Hometown is ready to assist you. We can help you understand your choices and find solutions that best fit your financial situation. For more information on our loan offerings or to discuss your specific needs, don't hesitate to reach out! You can contact us at (701) 486-3232, visit us at 301 5Th Ave Se Medina Nd 58467, or explore our website 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. We're committed to helping you navigate your financial journey let's work together toward your goals!

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