Credit union · NCUA insured
HomeTown Credit Union Credit Card Rates
HomeTown Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How HomeTown Credit Union’s credit card rates compare
Compared with banks and credit unions near Faribault, MN, where HomeTown Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
HomeTown Credit Union
10.90%APR
- Up to
- —
HomeTown Classic Credit Card
Lowest rate
Wings Credit Union
10.74%APR
- Up to
- 21.74% APR
3rd-lowest rate
Merchants Bank
12.49%APR
- Up to
- 16.49% APR
HomeTown Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HomeTown Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
HomeTown Classic Credit Card
25-day grace period on purchases if balance paid in full each month; cash advances and balance transfers accrue interest from the transaction date.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | 25-day grace period on purchases if entire balance is paid by due date. |
Sources (4)
- hometowncu.coop
- hometowncu.coop/Documents/Disc…sic_Agreement_201711.pdf
- hometowncu.coop/Resources/Card-Services
- hometowncu.coop/Spend/Credit-Cards
All captured Oct 16, 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.