Credit union · NCUA insured
HomeTown Credit Union
A $295.6M credit union headquartered in Owatonna, MN, with 25,572 members and 4 branches in Minnesota. Best rates: CDs 4.20% and savings 0.90% APY.
HomeTown Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#3 of 10 in Owatonna, MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About HomeTown Credit Union
- Headquarters
- 2400 W Bridge St, Owatonna, MN 55060-5003
- NCUA charter
- 21669
Branches
4 branches in Minnesota
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Minnesota
4 branches
Owatonna area · 2
- Bridge StreetMain office2400 W Bridge St, Owatonna, MN 55060Directions
- Owatonna South Branch150 18th St SW, Owatonna, MN 55060Directions
Faribault area · 2
- Faribault1205 Highway 60 W, Faribault, MN 55021Directions
- Northfield2000 Honey Locust Drive, Northfield, MN 55057Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.61% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.58% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.16% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $76 | $76 | — |
- CapitalNet worth ratio10.61%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.58%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.16%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$76Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of HomeTown Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.