Credit union · NCUA insured
HomeTown Credit Union Savings Rates
HomeTown Credit Union’s best savings rate is 0.90% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How HomeTown Credit Union’s savings 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
0.90%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $90
Money Market
Top rate
United Prairie Bank
3.40%APY
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000 a year
- $340
2nd-highest rate
Federated Employees Credit Union
2.78%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $278
HomeTown Credit Union savings score
85
Savings score
Higher than 68% of U.S. banks and credit unions
- $1,000 balance$1,0000.70%
- $10,000 balance$10,0000.90%
- $100,000 balance$100,0002.30%
- QualifiedQualified0.90%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Savings
0.05%APY
Available to qualifying individual members for personal use only. Businesses, non-profit organizations, and other entities are not eligible.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.05% | — |
| $10,000 – $25,000 | 0.05% | $5 |
| $25,000 – $50,000 | 1.50% | — |
| $50,000 – $100,000 | 1.90% | — |
| $100,000 – $250,000 | 2.30% | — |
| $250,000 – $500,000 | 2.75% | — |
| $500,000 – $1,000,000 | 2.80% | — |
| $1,000,000 and up | 3.25% | — |
Sources (2)
All captured Oct 16, 2026
Money Market
0.90%APY
Dividends are paid at a higher rate than a regular Share Savings Account. 3 withdrawals per month. Unlimited deposits. Fees may reduce earnings on account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Balance tier $9,999.99 or below. Fees may reduce earnings on account. | 0.70% | — | Balance tier $9,999.99 or below. Fees may reduce earnings on account. |
| $10,000 – $25,000Balance tier $10,000.00 – $24,999.99. Fees may reduce earnings on account. | 0.90% | $90 | Balance tier $10,000.00 – $24,999.99. Fees may reduce earnings on account. |
| $25,000 – $50,000Balance tier $25,000.00 – $49,999.99. Fees may reduce earnings on account. | 1.00% | — | Balance tier $25,000.00 – $49,999.99. Fees may reduce earnings on account. |
| $50,000 – $100,000Balance tier $50,000.00 – $99,999.99. Fees may reduce earnings on account. | 1.05% | — | Balance tier $50,000.00 – $99,999.99. Fees may reduce earnings on account. |
| $100,000 and upBalance tier $100,000.00 and higher. Fees may reduce earnings on account. | 1.15% | — | Balance tier $100,000.00 and higher. Fees may reduce earnings on account. |
Sources (2)
All captured Sep 18, 2026
Pay ME First Account
0.10%APY
Requires at least one (1) electronic deposit during each calendar month in the amount of $15.00 or more.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Requires at least one electronic deposit each month of $15.00 or more. | 0.50% | — | Requires at least one electronic deposit each month of $15.00 or more. |
| Over $2,500Requires at least one electronic deposit each month of $15.00 or more. | 0.10% | $10 | Requires at least one electronic deposit each month of $15.00 or more. |
Share Savings
0.05%APY
Initial $10 deposit establishes membership/part ownership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Special-purpose accounts
IRA & Roth High Yield
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.05% | — |
| $10,000 – $25,000 | 0.05% | $5 |
| $25,000 – $50,000 | 1.50% | — |
| $50,000 – $100,000 | 1.90% | — |
| $100,000 – $250,000 | 2.30% | — |
| $250,000 – $500,000 | 2.75% | — |
| $500,000 – $1,000,000 | 2.80% | — |
| $1,000,000 and up | 3.25% | — |
Sources (3)
All captured Oct 16, 2026
IRA & Roth Money Market
0.90%APY
Traditional and Roth IRA money market accounts. Subject to IRA contribution and withdrawal rules. Fees may reduce earnings on account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Balance tier $9,999.99 or below. Fees may reduce earnings on account. | 0.70% | — | Balance tier $9,999.99 or below. Fees may reduce earnings on account. |
| $10,000 – $25,000Balance tier $10,000.00 – $24,999.99. Fees may reduce earnings on account. | 0.90% | $90 | Balance tier $10,000.00 – $24,999.99. Fees may reduce earnings on account. |
| $25,000 – $50,000Balance tier $25,000.00 – $49,999.99. Fees may reduce earnings on account. | 1.00% | — | Balance tier $25,000.00 – $49,999.99. Fees may reduce earnings on account. |
| $50,000 – $100,000Balance tier $50,000.00 – $99,999.99. Fees may reduce earnings on account. | 1.05% | — | Balance tier $50,000.00 – $99,999.99. Fees may reduce earnings on account. |
| $100,000 and upBalance tier $100,000.00 and higher. Fees may reduce earnings on account. | 1.15% | — | Balance tier $100,000.00 and higher. Fees may reduce earnings on account. |
Sources (3)
All captured Sep 18, 2026
Health Savings Account
0.10%APY
Eligibility: 18 years or older, enrolled in a high deductible health care plan (HDHP), not enrolled in Medicare, not claimed as a dependent, and not covered by a non-HDHP.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.10% | — |
| $10,000 and up | 0.10% | $10 |
Coverdell Education Savings
0.05%APY
Beneficiary must be 30 years or younger at withdrawal. $2,000 yearly contribution maximum.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are compounded monthly.Any balance | 0.05% | $5 | Dividends are compounded monthly. |
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.