Credit union · NCUA insured
HomeTown Credit Union CD Rates
HomeTown Credit Union’s best CD rate is 4.20% APY on an 11-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How HomeTown Credit Union’s CD rates compare
Compared with banks and credit unions near Owatonna, MN, where HomeTown Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
HomeTown Credit Union
4.20%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $384
Share Certificate ($10,000.00 Minimum)
Top rate
Federated Employees Credit Union
4.42%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,414
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
HomeTown Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo4.15%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where HomeTown Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate ($10,000.00 Minimum)
Up to 4.20%APY · 9 terms
Dividends compounded and credited monthly. Additional deposits not allowed. Early withdrawal penalty applies (90 days dividends for terms 11 months or less; 180 days dividends for terms 12 months or more). 7-day grace period at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSpecial rate is for new certificates only and does not apply to renewals. At maturity, renews to a standard 6-month term | 4.15% | $102 |
| 6 monthsAutomatically renewable upon maturity | 1.50% | $75 |
| 11 monthsSpecial rate is for new certificates only and does not apply to renewals. At maturity, renews to a standard 6-month term | 4.20% | $384 |
| 12 monthsAutomatically renewable upon maturity | 1.75% | $175 |
| 18 monthsAutomatically renewable upon maturity | 1.75% | $264 |
| 24 monthsAutomatically renewable upon maturity | 2.00% | $404 |
| 36 monthsAutomatically renewable upon maturity | 2.25% | $690 |
| 48 monthsAutomatically renewable upon maturity | 2.50% | $1,038 |
| 60 monthsAutomatically renewable upon maturity | 2.50% | $1,314 |
Sources (2)
All captured Sep 24, 2026
Share Certificate ($500.00 Minimum)
Up to 4.20%APY · 9 terms
Dividends compounded and credited monthly. Additional deposits not allowed. Early withdrawal penalty applies (90 days dividends for terms 11 months or less; 180 days dividends for terms 12 months or more). 7-day grace period at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSpecial rate is for new certificates only and does not apply to renewals. At maturity, renews to a standard 6-month term | 4.15% | $102 |
| 6 monthsAutomatically renewable upon maturity | 1.50% | $75 |
| 11 monthsSpecial rate is for new certificates only and does not apply to renewals. At maturity, renews to a standard 6-month term | 4.20% | $384 |
| 12 monthsAutomatically renewable upon maturity | 1.75% | $175 |
| 18 monthsAutomatically renewable upon maturity | 1.75% | $264 |
| 24 monthsAutomatically renewable upon maturity | 2.00% | $404 |
| 36 monthsAutomatically renewable upon maturity | 2.25% | $690 |
| 48 monthsAutomatically renewable upon maturity | 2.50% | $1,038 |
| 60 monthsAutomatically renewable upon maturity | 2.50% | $1,314 |
Sources (2)
All captured Sep 24, 2026
Steps Certificate Account
1.50%APY · 1 term
Dividends compounded and credited monthly. Additional deposits not allowed. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAutomatically renewable upon maturity | 1.50% | $75 |
Sources (1)
- hometowncu.coop/Documents/Disc…E-CD_RateFeeSchedule.pdf · captured Sep 24, 2026
Special-purpose accounts
IRA Share Certificate
Up to 4.20%APY · 9 terms
Available as Traditional or Roth IRA. Dividends compounded and credited monthly based on Rate Schedule for Regular & IRA Share Certificates. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSpecial rate is for new certificates only and does not apply to renewals. At maturity, renews to a standard 6-month term | 4.15% | $102 |
| 6 monthsAutomatically renewable upon maturity | 1.50% | $75 |
| 11 monthsSpecial rate is for new certificates only and does not apply to renewals. At maturity, renews to a standard 6-month term | 4.20% | $384 |
| 12 monthsAutomatically renewable upon maturity | 1.75% | $175 |
| 18 monthsAutomatically renewable upon maturity | 1.75% | $264 |
| 24 monthsAutomatically renewable upon maturity | 2.00% | $404 |
| 36 monthsAutomatically renewable upon maturity | 2.25% | $690 |
| 48 monthsAutomatically renewable upon maturity | 2.50% | $1,038 |
| 60 monthsAutomatically renewable upon maturity | 2.50% | $1,314 |
Sources (3)
- hometowncu.coop/Disclosures
- hometowncu.coop/Save/IRAs
- hometowncu.coop/Documents/Disc…E-CD_RateFeeSchedule.pdf
All captured Sep 24, 2026
Who can join HomeTown Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.