HCU Loand & Savings Rates

Hometown Credit Union


Whether saving or borrowing, our great rates will get you started and keep you smiling......

Services

Share savings
Share draft checking
IRA
Certificate of Deposit
Christmas Club
Visa Debit Cards
Agriculture Lending
Car & Equipment Guides
Travelers Checks
Free Notary Service
Copier and Fax Service

Consumer loan interest rates are disclosed as ranges. Your final rate is based on your application and credit history. All loans are subject to application and processing fees. Share and savings rates are disclosed as Annual Percentage Yield (APY). Stop by our office for more rates and details.
Loan Rates - effective May 6, 2008
	Loan	Rate Range - APR*	Collateral
	New Vehicles	as low as 5.50%	2007 or newer
	Used Vehicles	as low as 7.00%	2006 and older
	Share Secured	3.00% - 7.15%	Share Savings
	Unsecured	10.00% - 13.00%	Signature
	Real Estate	6.00% - 9.25%
	Agriculture Operating	6.25% - 9.75%	Chattels
	Ag Market Hedge	as low as 6.25%	Chattels
	Ag Equipment - New	as low as 6.00%
	Ag Chattels	6.00% - 9.75%
	New Recreation	as low as 5.50%
	Used Recreation	as low as 6.00%
	*APR -- Annual Percentage Rate Note: Above interest rates may vary by the term of the loan as well as applicant's credit worthiness and are subject to change quarterly.
	Click here to calculate your estimated payment

Share Savings Accounts - effective June 24, 2008
	Account	Rate	APY	Minimum Balance
	Share Savings (S1)	1.75%	1.76%	$5.00
	Super Share Savings (S2)	1.50%	1.51%	$2,000 and over
	Daily Savings (S3)	1.00%	1.00%	$5.00
	Christmas Club	TBD	TBD	rate set October 1
	IRA's	3.00%	3.03
	Share Draft (S80)	0.00%	0.00%	$0.00 - 199.99
	Share Draft (S80)	0.75%	0.75%	$200 and over
	Click here to see how your saving adds up

Certificates of Deposit - effective August 25, 2008
	Term	Rate	APY	Minimum Balance
	3 Months (I3)	2.15%		$1000
	6 Months (I6)	2.50%		$500
	12 Months (I2)	3.10%	3.14%	$500
*APY means a percentage rate reflecting the total amount of dividends/interest paid on an account based on the dividends/interest rate and the frequency of compounding for a 365 day period . Certificate and IRA rates are fixed for the term of the instrument, unless otherwise disclosed. Deposits are federally insured by the NCUA up to at least $100,000, and IRA funds are separately insured to $250,000.
	Click here to see how your investment can grow

Kulm Office
17 South Main / PO Box 310
Kulm, ND 58456
647-2448 - 647-2449 FAX
1-877-304-0035
Monday-Friday 8:00-5:00
24 hour depository
email us

Ashley Office
106 East Main / PO Box 230
Ashley, ND 58413
288-3439 - 288-3430 FAX
1-877-588-3439
Monday-Friday 8:30-4:30
24 hour depository
email us

Hazelton Office
341 Main / PO Box 225
Hazelton, ND 58544
782-6841 - 782 6831 FAX
1-866-782-6841
Monday-Friday 8:30-4:30
24 hour depository
email us