Hometown Credit Union Kulm ND | Affordable Auto Loans & ATM Access

Introduction

Welcome to Hometown Credit Union, your trusted financial partner since 1949! Located at 18 Main Ave S, Kulm, ND 58456, we are proud to serve our vibrant community with reliable banking solutions tailored to meet your needs. With a total membership of 3,408 and assets exceeding $203 million, we stand as a pillar of support for local families and businesses alike. At Hometown Credit Union, our commitment goes beyond just numbers. We believe in making a real difference in the lives of our members by providing exceptional services like personal banking, auto loans, mortgage options, and business financing. Whether you're looking to save for the future or fund your next big project, we have the resources and expertise to help you achieve your financial goals. Our leadership team, led by CEO Harold Hagen and Board President Rodney Kinzler, is dedicated to ensuring that every member feels valued and empowered. With a team of 50 employees ready to assist you, we strive to create a welcoming environment where you can feel confident about your financial decisions. For any official correspondence, please note that while you can visit us at our branch address, mail should be directed to PO BOX 310, Kulm, ND 58456. We invite you to explore our website at Hometown Credit Union for more information about our services or simply give us a call at 701-647-2448. Discover how we can work together towards a brighter financial future!

Branch History & Mission

Community Engagement

Our commitment extends beyond banking; we are deeply involved in community outreach efforts aimed at making a positive impact. Through various partnerships and programs, we work closely with local organizations to promote financial literacy and economic empowerment within Kulm. As part of our dedication to providing comprehensive support, we also offer ATM services and strive for customer satisfaction with friendly staff available during operating hours from 8 AM to 5 PM Monday through Friday. Join us at Hometown and experience firsthand the benefits of being part of a credit union that values people over profits. Whether you're looking for personal or business banking solutions, we're here for you every step of the way. Let's build a brighter future together! For more information or assistance, feel free to reach out at (701) 647-2448.

Our Mission

The mission of Hometown is clear: we aim to empower our members through exceptional financial products and services while fostering a sense of community. We believe in offering more than just traditional banking; we actively engage in initiatives that uplift and support our local area. Whether it's providing personal banking solutions like checking and savings accounts or assisting businesses with loans and merchant services, our focus is on enhancing the lives of those we serve. In recent years, we've embraced digital advancements to ensure convenience for our members. With features such as online banking and mobile payments, managing your finances has never been easier. We are also proud to offer ADA-compliant facilities that cater to all individuals, ensuring everyone has access to our services.

Branch Location & Accessibility

Accessibility and Features

At Hometown, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us comfortably. Parking is readily available nearby, making your visit hassle-free.

Operating Hours

We are open Monday through Friday from 8 AM to 5 PM, providing ample time for you to stop by after work or during lunch breaks. Our friendly team is ready to assist you during these hours with any of your banking needs.

Services Offered

Our Kulm branch offers a variety of personal banking services, including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also provide business banking solutions like merchant services and business loans. Additionally, you can enjoy convenient ATM access for quick withdrawals and balance checks. While we don't have drive-thru banking at this location, our dedicated staff is eager to serve you inside the branch. If you need assistance outside of regular hours, don't hesitate to reach out via phone at 701-647-2448. We invite you to visit Hometown's Kulm branch today! Experience the friendly service and community-focused banking that sets us apart. Your financial journey starts here!

Member Eligibility

Becoming a member of Hometown is like joining a caring community where your financial well-being is our priority. If you live, work, worship, or attend school in the area surrounding 18 Main Ave S Kulm Nd 58456, you're likely eligible to join us! Our membership is open to individuals who share our values and seek a supportive place for their banking needs. As a member, you'll enjoy personalized service, competitive rates on loans and savings, and access to various financial products tailored just for you. For the most accurate and detailed information about eligibility requirements, feel free to check out our website at . When you're ready to open an account or if you have any questions, don't hesitate to give us a call at (701) 647-2448. We can't wait to welcome you into the Hometown family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to our loan options, we offer merchant services that simplify everyday transactions. Imagine being able to accept payments seamlessly, whether your customers prefer cash, credit, or mobile payments. Our solutions are crafted to enhance your operations, allowing you to focus on what you do best running your business. Located at 18 Main Ave S Kulm Nd 58456 in Kulm, ND, we're here for you Monday through Friday from 8 AM to 5 PM. Reach out at (701) 647-2448 to learn more about how we can partner with you on your business journey!

Tailored Loan Options for Your Business

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

Accessibility

We know how important it is to have quick access to your funds. That's why we provide basic ATM access for withdrawals and balance checks right from our branch's ATM. You can rest assured knowing that your banking needs are just a few clicks away. Whether you're looking for personal assistance or digital solutions, our team at Hometown is here to help. If you have any questions or want to learn more about how we can assist you with your financial journey, feel free to reach out at (701) 647-2448 during our operating hours from 8 AM to 5 PM, Monday through Friday. Join us today at Hometown, where we're committed to helping you achieve your financial goals! Visit us online at Kulm for more information or to get started with any of our services!

Business Banking

For our business members, we provide robust business banking services, including merchant services and business loans. This helps you manage cash flow efficiently and invest in the growth of your company without added stress.

Credit Cards and Rewards

We also offer credit cards with rewards, allowing you to earn points on your everyday purchases. Whether it's cashback or travel rewards, you'll find a card that fits your spending habits perfectly.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've made sure that all our services are accessible through our online and mobile banking platforms. With features like ATM and cash withdrawal services, you can manage your finances wherever you go. Our mobile app also allows you to make person-to-person payments easily, ensuring that paying back friends or handling family expenses is hassle-free.

Personal Banking

When it comes to managing your day-to-day finances, our personal banking options offer everything you need. From checking and savings accounts designed for easy access to your funds, to various personal loans for those unexpected expenses, we have solutions that fit your lifestyle. If you're looking to buy a car, our auto loans and vehicle financing make it simple and affordable. Plus, with competitive rates on mortgage loans and refinancing, owning your dream home is more achievable than ever.

Digital & Online Banking

Key Features for Your Convenience

Our online banking service lets you check your account balance, transfer funds, and pay bills without stepping foot in the branch. Whether you're on your lunch break or relaxing at home, you can take control of your finances with ease. Plus, our mobile application makes it even simpler to bank on the go. You can download it today and enjoy features like mobile payments that allow you to make quick purchases directly from your phone.

Secure Transactions Made Easy

We prioritize your security while banking online. Our person-to-person transfer option allows you to send money to friends or family securely without needing cash or checks. Plus, even though we don't currently offer electronic signature authorization, rest assured that all transactions are protected with robust security measures. At Hometown, we're committed to making your banking experience smooth and stress-free. Join us in embracing the convenience of modern banking today!

Stay Organized with E-Statements

Say goodbye to paper clutter! With e-statements available at Hometown, you can view and download your monthly statements securely online. This feature not only helps you stay organized but also contributes to a greener planet by reducing paper waste.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 9,648 show a strong and growing member base that trusts us with their finances. This trust is vital as we work together towards achieving your financial goals. 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 18 Main Ave S Kulm Nd 58456 or call (701) 647-2448 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $96,231,281 in share certificates, offering stable and rewarding financial growth opportunities. While we currently have $0 in money market shares, we continually explore ways to enhance these offerings for your benefit. 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.

Operational Efficiency

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 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.

Reinvestment for Growth

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 commitment to reinvesting in our community is evident in every service we provide. Our lending capacity supports members' financial goals across various sectors with $397 in used auto loans and $168,770,338 in total loans and leases. This flexibility helps us cater to diverse needs while maintaining robust support for all members.

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. This net worth underscores our ability to meet your financial needs today and into the future. 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

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 believe that financing should be straightforward and accessible, which is why we provide competitive rates and flexible terms. If you're considering refinancing your current auto loan, we can help with that too just ask about our refinancing options!

Business Financing

For business owners, our outstanding commercial loans totaling $141,081,512 provide the capital needed to grow and expand. Whether you're looking to invest in new equipment or expand your operations, we're here to support your business endeavors. At Hometown, we prioritize making lending easy and accessible for everyone. If you're unsure about eligibility or want more information on any of our loan products, don't hesitate to reach out! You can contact us at (701) 647-2448, visit us at 18 Main Ave S Kulm Nd 58456, or check our website at https://www.hcuonline.com/ for further details. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial dreams today!

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. Whether you're a first-time buyer or looking to refinance an existing mortgage, our knowledgeable staff will assist you in navigating the home loan process with ease.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, but we have you covered with flexible terms on unsecured credit card loans. We currently have a total of $248,103 in loans helping members manage their finances effectively. With our credit cards, you'll enjoy benefits like low-interest rates and no annual fees.

Loan Aggregator

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Hometown