A financial institution where you belong
At HomeTown Credit Union, you’re more than an account number — you’re a member, an owner, and a vital part of the communities we proudly serve. When you join HomeTown, you belong to something meaningful: a local cooperative that puts people first.
This holiday season and beyond, we want to show you that as a HomeTown Credit Union member, you're at the heart of what we do everyday — your money matters, your goals matters, and your voice matters.
Join Today with Promo Code: HTHEART
What Makes a Credit Union Different?
Credit unions aren’t banks — and that’s a good thing.
We’re a financial cooperative, owned by the people who use our services. That means profits don’t go to shareholders; they’re reinvested back into the membership through lower loan rates, higher savings yields, low-to-no fees, and community programs that make a difference.
Why a credit union is better for you:
- Member-Owned: Every member has a voice. Your money works for you and your community.
- People Before Profit: Our decisions are driven by purpose, not shareholders.
- Local Impact: Every dollar you save or borrow with HomeTown supports the financial health of your neighbors.
- Trusted Guidance: We exist to help members thrive — not to sell products you don’t need.
Joining a credit union means joining a community — one that welcomes you, supports you, and stands beside you through every financial milestone.
Our History: Proudly Serving Our Community Since 1974
HomeTown Credit Union was founded in 1974 with one simple mission: to provide honest, affordable financial services to our local community. What began as a small, member-first cooperative has grown into a trusted financial partner serving over 25,000 individuals, families, and businesses across our region.
If you live, work, attend school, volunteer, or worship in one of the 26 southern Minnesota counties shown above, you are eligible to become a member of HomeTown Credit Union. Those who have immediate family in the county area are also eligible to join.
Products & Services That Fit Your Life
HomeTown Credit Union offers everything you expect from a financial institution — but with a personal touch that makes banking feel like home.
Everyday Banking
- Free and low-fee checking accounts
- High-yield savings accounts
- Youth & teen accounts
- Digital banking with mobile deposit and bill pay
- Mobile Wallet (Apple Pay, Google Pay, Samsung Pay)
Loans Designed Around You
- Auto & recreational vehicle loans
- Home mortgages & refinancing
- Home equity loans & HELOCs
- Personal loans & lines of credit
- Credit cards with competitive rates and local service
Protection & Peace of Mind
- GAP & Mechanical Breakdown Protection
- Retirement savings accounts
- Fraud & identity protection services
- Secure online and mobile platforms
Financial Wellness
- Free one-on-one financial coaching
- Budgeting tools & education
- Workshops for youth, families, and adults
- Community financial literacy initiatives
Everything we offer is built to support the financial well-being of our members — at any stage of life.
Why Members Love HomeTown
Choosing HomeTown means choosing a financial partner that genuinely cares about your goals — not just your balance. Members trust us because we offer:
- Local expertise with personal service
- Competitive rates without the big-bank hassle
- A welcoming, inclusive experience
- Modern technology with community values
- A place where your voice matters
At HomeTown, we don’t just open accounts — we build relationships.
If you’re ready for banking that feels different — more human, more supportive, more rooted in community — you’ll find your place here.
Join The Heart of HomeTown with Promo Code: HTHEART