Hometown Credit Union Lincoln ND | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Hometown, your trusted financial partner located in the heart of Lincoln, North Dakota. Situated at 109 Mcdougall Dr Ste 5, our branch has been serving our community since 1949, building a legacy of trust and support for over seven decades. With a dedicated membership base of 3,408 and total assets amounting to an impressive $203,345,491, we are committed to providing exceptional services tailored to meet your financial needs. At Hometown, we understand that banking is about more than just numbers; it's about people. Our team of 50 employees, led by our CEO Harold Hagen and Board President Rodney Kinzler, is here to ensure you feel valued and supported in every transaction. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or business banking services, we have the resources and expertise to help you succeed. While members can visit us at our Lincoln location, official correspondence should be sent to our mailing address: 109 McDougall Dr Ste 5, Lincoln, ND 58504-8139. We invite you to explore how our offerings can make a difference in your financial journey. With total deposits exceeding $6,219,150 and robust lending capabilities reflected in 2,071 loans, we are well-equipped to assist you with your goals. Ready to take the next step? Contact us today at 701-751-1613 or visit our website at www.hcuonline.com to learn more about how Hometown can serve you better. Your financial future starts here!

Branch History & Mission

At Hometown, located at 109 Mcdougall Dr Ste 5 in Lincoln, ND, we are proud of our rich history and unwavering commitment to our community. Since opening our doors in 1949, we have grown from a small credit union into a trusted financial partner for over 3,400 members. With total assets now exceeding $203 million, our journey reflects not just growth but a deep dedication to serving the financial needs of our community. Our mission is simple yet powerful: to empower our members with accessible financial services while fostering community support and engagement. We believe that by providing personal banking solutions ranging from checking and savings accounts to auto loans and mortgages we can help individuals and families achieve their financial goals. Our commitment extends beyond banking; we actively engage in community outreach initiatives that strengthen local ties and promote collective well-being. Hometown is more than just a place for transactions; it's a hub for building relationships. While members can visit us at our main branch location in Lincoln, we also ensure effective communication through our mailing address: 109 McDougall Dr Ste 5, Lincoln, ND 58504-8139. With convenient operating hours from 7 AM to 7 PM during the week, we prioritize accessibility. Our drive-thru service offers quick banking solutions without sacrificing quality, ensuring that every member's experience is smooth and efficient. Plus, with ATM availability, you can access your funds when you need them most. We embrace modern technology with online and mobile banking options that allow you to manage your finances anytime, anywhere. Our services include person-to-person payments and mobile payments for added convenience. We strive to be ADA compliant, ensuring all members can access our facilities and services comfortably. As part of our mission to give back, we partner with local organizations to enhance community development. By working together, we can create lasting change and support those who need it most. Join Hometown today and experience the difference of being part of a community-focused credit union. Whether you're looking for personal banking solutions or want to get involved in community initiatives, Hometown is here for you every step of the way. Let us help you take charge of your financial future! For more information or assistance, feel free to call us at 701-751-1613.

Branch Location & Accessibility

ATM Availability

For those times when you need cash on the go, we offer ATM services right at our branch. With this feature, you can quickly make withdrawals or check your balance without stepping inside.

Accessibility Features

We understand that accessibility is important for all our members. Our branch is designed with ADA-compliant features to ensure everyone can visit us comfortably. You'll find ramps and accessible parking spaces that make it easy to get in and out of the building.

Call-to-Action

We're excited to serve you at Hometown's Lincoln Branch! Feel free to give us a call at 701-751-1613 if you have any questions or need assistance before your visit. We look forward to welcoming you soon!

Operating Hours and Services

Our doors are open Monday through Friday from 7 AM to 7 PM for drive-up services and from 8 AM to 6 PM for lobby access. Whether you need assistance with personal banking, auto loans, or credit cards with rewards, we're here to help! Plus, enjoy the convenience of our drive-thru banking for simple transactions like deposits and withdrawals.

Member Eligibility

Becoming a member of Hometown is like joining a family that truly cares about your financial well-being. We welcome anyone who lives, works, or worships in our community, making it easy for you to be part of something special. With our supportive environment, you can access a variety of services designed to meet your needs from checking and savings accounts to auto loans and mortgage options. If you're curious about the specific eligibility requirements, feel free to check out more details at . Joining us is simple and fulfilling! To start the process, just give us a call at (701) 751-1613, or visit us at our branch located at 109 Mcdougall Dr Ste 5 Lincoln Nd 58504. We're excited to help you take this important step toward better banking!

Business Banking & Commercial Services

Business Loan Options

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

Imagine having the tools you need to accept payments easily, manage cash flow, and streamline operations all under one roof. Our merchant services simplify transactions so you can focus on what matters most: serving your customers. From point-of-sale systems to online payment solutions, we offer practical benefits that enhance your business efficiency. Visit us at 109 Mcdougall Dr Ste 5 Lincoln Nd 58504 in Lincoln, ND, or call us at (701) 751-1613 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking

For local entrepreneurs and business owners, we offer comprehensive Business Banking solutions including essential Merchant Services and Business Loans that help your venture thrive. Our knowledgeable team is always ready to discuss how we can support your business's unique needs.

Convenient Access and Support

Accessing your accounts has never been simpler! With our ATM services available at multiple locations, you can enjoy hassle-free cash withdrawals and balance checks anytime. Our basic drive-thru banking offers easy transactions without leaving your car perfect for those on the go. Whether you prefer face-to-face interaction or the convenience of digital banking, we're here for you. Feel free to reach out at (701) 751-1613 or visit us during lobby hours from 8 AM to 6 PM and drive-up hours from 7 AM to 7 PM. Join us at Hometown, where we prioritize your financial well-being with personalized service and a full suite of offerings that make banking accessible and convenient. We look forward to helping you achieve all your financial aspirations! For more information about our services or to get started today, visit us online at Lincoln Branch.

Credit Options

We know that life can throw unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation solutions that can provide quick access to cash when you need it most. Additionally, enjoy rewards with our Credit Cards with Rewards, making everyday purchases more rewarding.

Personal Banking Solutions

Navigating personal finances can be challenging, but our offerings make it easier. Start with our Checking & Savings Accounts, tailored to fit various lifestyles and preferences. You can easily manage your funds through our Online & Mobile Banking services, allowing you to check balances, transfer money, and pay bills from anywhere. If you're considering a new vehicle, look into our Auto Loans & Vehicle Financing options that come with competitive rates. For those dreaming of homeownership or looking to refinance an existing mortgage, our Mortgage Loans & Refinancing services can make that dream a reality.

Digital & Online Banking

Key Features

Our online banking offers 24/7 access, allowing you to check your balances, pay bills, and transfer funds whenever it suits you. If you're on the go, our mobile application brings all these features right to your fingertips. Whether you're at home or out running errands, managing your money has never been easier. For those who value flexibility, we provide person-to-person transfers, making it simple to send money to friends and family directly from your account. Plus, with our e-statements available, you can keep track of your finances without the hassle of paper statements cluttering your mailbox.

Security and Usability

We prioritize your security. Our online banking platform uses advanced encryption to ensure that your personal information is safe while you manage your accounts. Additionally, the user-friendly design means that even if you're not tech-savvy, you'll find navigating our services straightforward and easy. And for those moments when you need to make quick payments or purchases, our mobile payments feature allows you to do so effortlessly. No more fumbling for cash or cards; just use your smartphone! At Hometown, we're committed to providing a banking experience that's not only accessible but also tailored to fit your lifestyle. We invite you to explore the benefits of our digital banking services today!

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 understand that in today's world, knowing your credit union is financially strong is essential for your peace of mind. 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. 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 and stronger lending options to serve our members better. Our commitment to supporting your financial goals is evident in our lending capacity: we have $397 in used auto loans and $168,770,338 in total loans and leases. Our operational efficiency shines through with a net income of $1,114,545, which enables 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. Total Share Accounts stand at 9,648, reflecting the trust placed in us by our growing member base. Our net shares available for lending and investments amount to $205,614, showcasing our ability to support various financial needs. 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 cater to both new and used vehicles, ensuring you find the right fit for your budget.

Business Loans

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 invest in equipment or property, we have tailored solutions that meet your unique needs. At Hometown, we also recognize the importance of refinancing options to help you save money over time. Our team is ready to discuss eligibility criteria and assist you with any questions about our loan offerings. Feel free to visit us at our branch located at 109 Mcdougall Dr Ste 5 Lincoln Nd 58504, Lincoln, ND, or give us a call at (701) 751-1613 for more information on how we can assist you with your financial journey. 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 reach your financial goals 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. We offer competitive rates and flexible terms to make your dream home more attainable.

Personal Financing

In addition to auto and mortgage loans, we provide unsecured credit card loans with a total of $248,103 helping members manage their finances effectively. These flexible credit options can be used for unexpected expenses or planned purchases without the stress of collateral.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This platform is designed to help borrowers make informed decisions by offering clear and accurate information about available loans. LendMesh ensures accurate loan comparisons through a stringent sourcing process. Loan data on LendMesh is obtained 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 commitment to transparency means users can trust that the offers they see are fair and legitimate. The benefits of using LendMesh extend beyond just transparency. With verified data, all loan offers are sourced from legitimate financial institutions, ensuring users receive trustworthy options. Additionally, LendMesh features no sponsored listings; lenders are not prioritized based on paid promotions, allowing for truly unbiased results. The platform also provides real-time rate comparisons, which means users can access up-to-date loan rates from multiple institutions, empowering them to choose the best option for their needs. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective and user-friendly the platform is in helping individuals secure better financing options. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Hometown