Hometown Credit Union Medina ND | Best Auto Loans & Business Banking

Introduction

Welcome to Hometown, your trusted financial partner located in the heart of Medina, North Dakota! Since our establishment in 1949, we've been dedicated to serving our community with integrity and commitment. At our branch on 301 5th Ave SE, we strive to provide personalized banking solutions that cater to the unique needs of our 3,408 members. With total assets exceeding $203,345,491 and a robust net worth of $30,405,353, you can trust us to handle your finances securely and responsibly. Whether you're looking for auto loans, mortgages, or business banking services, we offer a wide range of options tailored just for you. Our team is led by CEO Harold Hagen and Board President Rodney Kinzler, who are both passionate about supporting our members and enhancing their financial well-being. For official correspondence, please note that our mailing address is different: 18 Main Ave S, Kulm, ND 58456. We encourage you to visit us during our operating hours from 8 AM to 5 PM, Monday through Friday. You can also reach us at 701-486-3232 if you have any questions or need assistance. At Hometown, we believe in making banking easier and more accessible. That's why we offer online and mobile banking options along with convenient ATM services. Join us as we continue to support our community with quality service and competitive rates on loans and deposits. Discover how Hometown can help you achieve your financial goals today! Visit our website at hcuonline.com for more information or stop by our branch your future starts here!

Branch History & Mission

At Hometown, we pride ourselves on a rich history that spans over seven decades. Since our doors first opened in 1949, located at 301 5Th Ave Se in the heart of Medina, ND, we have been dedicated to serving our community with commitment and integrity. With a current total membership of 3,408, we have grown from humble beginnings into a trusted financial institution that reflects the spirit and values of our members. Our mission is simple yet impactful: to provide reliable financial services while fostering community support and growth. We believe that everyone deserves access to quality banking services tailored to their needs. This belief drives us to offer a wide range of products, including personal checking and savings accounts, auto loans, mortgage loans, and business banking solutions. Our focus is not only on transactions but also on building lasting relationships with our members. As we evolved over the years, Hometown has embraced change while staying true to our core values. With total assets exceeding $203 million, we have expanded our capabilities to better serve you. Whether you need assistance through online banking or prefer visiting us in person during our lobby hours from 8 AM to 5 PM, Monday through Friday, we strive to make your banking experience as convenient as possible. In addition to traditional banking services, Hometown offers ATM availability and drive-thru banking for quick and easy transactions. Our dedication to accessibility ensures that all members can engage with us according to their preferences. We are proud of our ADA compliance efforts and continuously seek ways to enhance customer satisfaction through digital advancements and customer-centric initiatives. Our commitment extends beyond financial services; we actively participate in community outreach programs and partnerships designed to uplift those around us. We understand that supporting local initiatives strengthens the fabric of our community and fosters trust among our members. For any official correspondence, please note that while you can visit us at our branch address in Medina, ND, you may also send mail to our mailing address at 18 MAIN AVE S, KULM, ND 58456. At Hometown, we invite you to join us on this journey of financial empowerment and community engagement. Experience firsthand how your credit union can make a positive difference in your life. Visit us today or give us a call at (701) 486-3232 for more information!

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is crucial for all our members. Our branch is ADA compliant and features ramps for easy access, ensuring everyone can visit without any hassle.

Convenient Location

Situated just a stone's throw away from popular local landmarks, including the Medina Community Center and Central Park, finding us is a breeze. Our location offers ample parking for your convenience, making it easy for you to pop in and handle your banking needs. If you're visiting us during operating hours, we're open from 8 AM to 5 PM, Monday through Friday.

Get in Touch

Have questions or need assistance? Don't hesitate to reach out! You can call us at 701-486-3232 for any inquiries or further information about our services. We invite you to come visit us at the Hometown Medina Branch we look forward to serving you! If sending official correspondence, please note that our mailing address is 18 Main Ave S, Kulm, ND 58456. Your financial journey matters to us let's make it easier together!

Services Offered

At the Hometown Medina Branch, we provide a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. For those who prefer digital banking, we offer online and mobile banking services as well as an ATM for quick cash withdrawals. If you're in a hurry, take advantage of our drive-thru service where you can make deposits and simple transactions without leaving your vehicle.

Member Eligibility

At Hometown, we believe that everyone deserves a place in our welcoming community. Becoming a member is straightforward and open to those who live, work, worship, or attend school in the areas we serve. Whether you're looking for personal banking options like checking and savings accounts or seeking assistance with loans and mortgages, we're here to support you every step of the way. Our friendly team is dedicated to helping you achieve your financial goals while enjoying the benefits of being part of our credit union family. To learn more about the specific eligibility criteria, feel free to visit us at . If you're ready to start your journey with us, opening an account is simple! Just reach out to us at (701) 486-3232, and we'll guide you through the process. Join us at our branch located at 301 5Th Ave Se Medina Nd 58467 and discover how membership at Hometown can enrich your financial life.

Business Banking & Commercial Services

Loan Options for 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 Easy

In addition to loans, we offer merchant services that simplify transactions for your business. Picture a bustling café that needs an efficient way to process payments. Our solutions ensure you can focus on serving delicious coffee while we handle the payment side smoothly. Visit us at 301 5Th Ave Se Medina Nd 58467 in Medina, ND or call us at (701) 486-3232 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer comprehensive banking solutions tailored to support your entrepreneurial journey. From merchant services that streamline your transactions to business loans that fuel growth, we're here to assist you every step of the way.

Convenient Access Points

We also provide ATM services for quick cash withdrawals and balance checks whenever needed. Plus, if you prefer face-to-face interactions, our drive-thru banking offers a convenient way for deposits, withdrawals, and simple transactions all from the comfort of your vehicle. Whether you're in need of personal finance management or business support, Hometown is committed to serving our community's financial needs with care and dedication. We invite you to visit us at 301 5Th Ave Se Medina Nd 58467 or give us a call at (701) 486-3232 to learn more about how we can assist you today!

Embracing Digital Banking

At Medina Branch, we embrace technology to make banking easier for you. Our online and mobile banking platforms allow you to manage your accounts from anywhere at any time. With features like mobile payments and person-to-person transfers, handling your finances has never been more straightforward.

Flexible Loan Options

In addition to mortgages, we provide personal loans for various needs, such as debt consolidation or unexpected expenses. Need quick cash? Our credit cards come with rewards that give back every time you swipe.

Home Financing Made Easy

Looking to buy your dream home? Our mortgage loans and refinancing options cater to first-time buyers and seasoned homeowners alike. We simplify the process, making it easy for you to navigate through your home financing journey.

Personal Banking Solutions

We understand that everyone has different financial goals. That's why we offer personal banking options, including checking and savings accounts that can help you manage your everyday expenses and save for future needs. If you're considering purchasing a vehicle, our auto loans and vehicle financing solutions are designed with competitive rates to get you on the road without breaking the bank.

Digital & Online Banking

Key Services

With our 24/7 online banking services, you can check your account balances, pay bills, and transfer money between accounts all from the comfort of your couch or while waiting in line. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Just a few taps, and you're done! For those who prefer mobile banking, our user-friendly mobile application lets you manage your finances right from your smartphone. You can make mobile payments effortlessly and access your accounts with just a few clicks. Plus, if you're looking to cut down on paper clutter, you'll appreciate our e-statements availability. They're secure, environmentally friendly, and provide a clear view of your transactions.

Security and Convenience

We prioritize your security while ensuring that our services are easy to use. Although we currently do not offer electronic signature authorization for certain transactions, rest assured that all online activities are protected with advanced security measures. Your peace of mind is important to us. In today's fast-paced world, having reliable access to your finances is crucial. With features like mobile payments and real-time account management through Hometown, you have everything you need at your fingertips. Embrace the convenience of digital banking visit us online today!

Financial Strength

A Growing Community

We currently serve 3,408 members through a total of 9,648 share accounts, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $205,614 further illustrates our capability to support your financial 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.*

Member-Centric Approach

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.

Operational Efficiency

Our success is reflected in our $1,114,545, which highlights our operational efficiency. This allows 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 always ready to assist you with a knowledgeable, committed team.

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

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

Additional Loan Options

For those seeking business financing, our outstanding commercial loans totaling $141,081,512 provide the capital needed to grow and expand your business ventures. We are dedicated to supporting local entrepreneurs as they strive for success. At Hometown, we also provide refinancing options tailored to help you reduce monthly payments or adjust your loan terms as needed. It's all part of our mission to ensure our members have access to financial resources that empower them. For more information about our loan offerings or to discuss eligibility options, feel free to reach out at (701) 486-3232 or visit us at 301 5Th Ave Se Medina Nd 58467 in Medina, ND. 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 here to help you navigate your financial journey with confidence!

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 vehicle purchases, ensuring that whether you're after a brand-new model or a reliable pre-owned car, we have options for you.

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 pride ourselves on guiding you through the process, making it easier than ever to secure your dream home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $248,103 in loans helping members manage their finances effectively. These credit cards come with no collateral requirements, allowing you to use them for everyday purchases or larger expenses without any hassle.

Loan Aggregator

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Hometown