Hometown Credit Union Ashley ND | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Hometown at our Ashley Branch, located conveniently at 106 E Main St, Ashley, ND 58413. Since our establishment in 1949, we have been dedicated to serving our community and empowering our members through a range of financial services. With a total membership of 3,408 individuals, we take pride in being a trusted partner for your banking needs. At Hometown, we understand that banking should be more than just numbers; it's about building relationships and fostering trust. Our commitment is reflected in our robust financial standing, with total assets reaching an impressive $203,345,491 and total deposits amounting to $6,219,150. We also offer a variety of loans over 2,071 loans and leases to help you achieve your financial goals. Our leadership team is here to support you every step of the way. Under the guidance of CEO Harold Hagen and Board President Rodney Kinzler, our dedicated staff of 50 employees is always ready to assist you. Whether you need assistance with personal banking or business services, we're here to help. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to PO BOX 230, ASHLEY, ND 58413, if different from our physical address. We invite you to explore what Hometown has to offer by visiting our website at hcuonline.com or giving us a call at 701-288-3439. Let us help you navigate your financial journey with confidence!

Branch History & Mission

Join Us Today!

As we look toward the future, we invite you to become part of the Hometown family. Experience firsthand how we can support your financial journey while making a positive impact in our community. Whether you're looking for a checking account or considering a loan for your next big purchase, we're here to help every step of the way. For more information or assistance, please call us at 701-288-3439. Join us today and discover how Hometown can make a difference in your life!

Our Journey

The journey of Hometown is one of commitment to excellence and community support. Established with the aim of providing accessible financial solutions, we have evolved through the decades while staying true to our core mission. As we opened our doors at 106 E Main St, Ashley, ND 58413, our goal was simple: to empower our members with the tools they need to achieve their financial dreams. As of today, Hometown has amassed total assets of $203,345,491. This growth reflects not just numbers but the trust placed in us by our members. We are proud to offer a variety of services including personal banking accounts, auto loans, mortgages, and credit cards all designed with you in mind.

Our Mission

Our mission at Hometown is clear: We strive to enhance the financial well-being of our members while fostering a sense of community. We believe that when our members succeed, so does our community. With this in mind, we actively engage in outreach efforts and partnerships that uplift those around us. We understand that banking must be accessible and convenient; that's why we offer services like online banking and mobile payments. Additionally, our drive-thru service enhances accessibility for those who prefer face-to-face interactions without leaving their vehicles. For those seeking quick transactions or information retrievals, we also provide ATM access right here at our branch. While members can visit us at 106 E Main St for all their banking needs during lobby hours from 8:30 AM to 4:30 PM (Monday through Friday), official correspondence should be sent to PO BOX 230, ASHLEY, ND 58413 if different from our branch address.

Branch Location & Accessibility

Convenient Access and Amenities

At the Ashley Branch, we understand that accessibility is key. Our branch features ADA-compliant entrances and ramps to ensure everyone can access our services with ease. Ample parking is available for those who prefer to drive, and for added convenience, we offer a drive-thru service that allows you to complete your transactions without ever leaving your vehicle.

Operating Hours That Fit Your Schedule

We know life can be busy, which is why our lobby hours are designed to accommodate your schedule. Our doors are open from 8:30 AM to 4:30 PM, Monday through Friday. This gives you plenty of time to drop by whether it's before work or during your lunch break.

Services Tailored for You

Hometown Credit Union offers a range of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Our ATM is also available on-site for quick cash withdrawals and balance checks whenever you need them. While members can visit us at our physical location for in-person assistance, official correspondence should be sent to PO BOX 230, ASHLEY, ND 58413 if needed.

We’re Here for You!

If you have any questions or need assistance, don't hesitate to reach out! Give us a call at 701-288-3439. We invite you to visit us at the Ashley Branch soon your community bank is here to support you every step of the way!

Member Eligibility

Joining the Hometown community is a wonderful way to access personalized financial services while being part of a supportive group. Membership is open to anyone who lives, works, or worships in the area, making it easy for you to become a part of our family at Hometown. Whether you're looking for a checking account, a loan, or just want to explore your options, we welcome all individuals who meet these simple criteria. If you're curious about specific details or want to ensure you qualify, feel free to check out our eligibility guidelines here. Opening an account is a breeze! You can visit us at our branch located at 106 E Main St Ashley Nd 58413, or give us a call at (701) 288-3439 for more information on how to get started. Our friendly team is here to help you every step of the way, so don't hesitate to reach out. Being a member of Hometown means you'll enjoy great benefits and services tailored just for you come and see what we have to offer!

Business Banking & Commercial Services

Merchant Services That Make Life Easier

In addition to loans, we offer practical merchant services that can streamline your operations. Imagine being able to accept payments easily from customers whether they're using cash, credit, or mobile payments. Our merchant services ensure you have the tools necessary to thrive in today's competitive market. Visit us at 106 E Main St Ashley Nd 58413 in Ashley, ND or call us at (701) 288-3439 to learn how we can help your business grow!

Tailored Loan Solutions

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.

Comprehensive List Of Services

ATM & Drive-Thru Services

We know that sometimes you need quick access to cash or to perform simple transactions without stepping inside the branch. Our ATM services allow for easy withdrawals and balance checks whenever you need them. Additionally, our drive-thru banking provides an efficient way to handle deposits, withdrawals, and other basic transactions without leaving your vehicle. At Hometown, we strive to create an environment where all members feel valued and supported. We invite you to visit us at 106 E Main St Ashley Nd 58413 or give us a call at (701) 288-3439 to learn more about how we can help with your financial journey. Take the first step towards better banking today! Join us at Ashley Branch where community meets convenience!

Business Banking

For local businesses, we understand the importance of reliable financial support. Our business banking services include merchant services and business loans that help you manage cash flow and invest in growth opportunities. With us as your partner, you can focus on what matters most running your business.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why at Hometown, we offer robust online and mobile banking features. With just a few taps on your smartphone or clicks from your computer, you can access your accounts anytime, anywhere. This includes making payments, transferring funds, and even checking balances all from the comfort of home or on the go.

Personal Banking

For individuals and families, our personal banking services make managing your money easy and convenient. We offer checking and savings accounts that help you keep track of your finances while earning interest on your savings. Need a little extra help? Our auto loans and vehicle financing options are perfect for purchasing your dream car or refinancing an existing loan. You can also explore our mortgage loans and refinancing options, which provide competitive rates and flexible terms. If you find yourself facing unexpected expenses, our personal loans can assist in debt consolidation or other financial needs. Plus, our credit cards come with rewards that benefit you every time you shop!

Digital & Online Banking

E-Statements and Security

We also provide e-statements for those who prefer going paperless. This not only helps the environment but also keeps your financial information secure and easily accessible. Although we do not offer electronic signature authorization at this time, rest assured that all our digital services are designed with top-notch security measures to protect your data. Whether you're at home or out running errands, our digital banking tools ensure that managing your finances is straightforward and hassle-free. Join us at Hometown today to enjoy a modern banking experience tailored just for you!

Mobile Application

Our user-friendly mobile application lets you take banking with you wherever you go. With just a few taps, you can manage your accounts, pay bills, and even send money to friends and family through our person-to-person transfer feature. Plus, our mobile payments option allows you to make secure purchases directly from your phone.

Online Banking Services

With our 24/7 online banking, you can check balances, view transactions, and transfer money anytime, anywhere. This means you have real-time access to your accounts right from the comfort of your home or on the go.

Financial Strength

Growing Member Trust

We have built trust within our community as shown by the total share accounts of 9,648, indicating a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $205,614, reinforcing 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 106 E Main St Ashley Nd 58413 or call (701) 288-3439 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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 members' financial goals across various sectors with $397 in used auto loans and a total of $168,770,338 in loans and leases.

Member-Centric Savings

Members' savings are secured through $96,231,281 in share certificates, offering stable and rewarding financial growth opportunities. This commitment to securing your funds is central to how we operate. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,325,000, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Proven Operational Efficiency

Our $1,114,545 reflects our operational efficiency, 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

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.

Loan Offering

At Hometown, we understand that financial needs come in all shapes and sizes. That's why we offer a variety of loan products tailored to help our members achieve their goals. Whether you're looking to buy a new car, purchase your first home, or manage your expenses more effectively, we have options for you. With over 2071 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular among those looking for reliable transportation. 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. For those considering homeownership, our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $1,014,956, providing you with the opportunity to secure your dream home without breaking the bank. In addition to auto and mortgage loans, we also cater to personal finance needs through unsecured credit card loans. With flexible terms and a total of $248,103 in unsecured credit card loans available, you can manage your finances effectively while enjoying the convenience of easy access to funds. For business owners looking to expand or invest in new opportunities, we provide outstanding commercial loans totaling $141,081,512. These loans are designed to give businesses the capital they need to thrive and grow. If you're interested in exploring refinancing options or checking your eligibility for any of our loan products, please don't hesitate to contact us. You can reach us at 701-288-3439 or visit us at our branch located at 106 E Main St Ashley Nd 58413. 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 Hometown, we're dedicated to supporting our members every step of the way as they navigate their financial journeys. Come see how our loan offerings can work for you!

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Hometown