Credit union · NCUA insured
Hometown Credit Union CD Rates
Hometown Credit Union’s best CD rate is 4.58% APY on a 6-year share certificate (CD). Terms run from 3 months to 6 years. Rates checked October 22, 2026.
How Hometown Credit Union’s CD rates compare
Compared with banks and credit unions near Bismarck, ND, where Hometown Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hometown Credit Union
4.58%APY
- Term
- 72 months
- Minimum
- $1,000
- Earns on $10,000
- $3,083
Share Certificates
Top rate
Dakota Community Bank & Trust
5.10%APY
- Term
- 89 months
- Minimum
- $2,500
- Earns on $10,000
- $4,462
3rd-highest rate
First Community Credit Union
4.30%APY
- Term
- 27 months
- Minimum
- $5,000
- Earns on $10,000
- $994
Hometown Credit Union CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo3.29%
- 9–15 months9–15 mo4.27%
- 16–30 months16–30 mo4.37%
- 31–60 months31–60 mo4.47%
- QualifiedQualified4.47%
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 Certificates
Up to 4.58%APY · 22 terms
Must purchase a $5.00 par value share in the credit union and be a member in good standing. Certificates are fixed for the term of the instrument unless otherwise disclosed. Early withdrawal penalty applies: 90 days dividends for terms up to 15 months, 182 days dividends for terms 18 to 39 months, 365 days dividends for terms 42 to 72 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty: 90 days dividends | 3.29% | $81 |
| 6 monthsEarly withdrawal penalty: 90 days dividends | 3.29% | $163 |
| 9 monthsSpecial offer. Early withdrawal penalty: 90 days dividends | 4.27% | $319 |
| 12 monthsAvailable to members ages 21 years & younger. Early withdrawal penalty: 90 days dividends | 4.27% | $427 |
| 12 monthsEarly withdrawal penalty: 90 days dividends | 3.29% | $329 |
| 15 monthsEarly withdrawal penalty: 90 days dividends | 3.29% | $413 |
| 18 monthsEarly withdrawal penalty: 182 days dividends | 3.29% | $498 |
| 21 monthsEarly withdrawal penalty: 182 days dividends | 3.29% | $583 |
| 24 monthsSpecial offer. Early withdrawal penalty: 182 days dividends | 4.37% | $893 |
| 27 monthsEarly withdrawal penalty: 182 days dividends | 3.29% | $756 |
| 30 monthsEarly withdrawal penalty: 182 days dividends | 3.29% | $843 |
| 33 monthsEarly withdrawal penalty: 182 days dividends | 3.29% | $931 |
| 36 monthsEarly withdrawal penalty: 182 days dividends | 3.29% | $1,020 |
| 39 monthsEarly withdrawal penalty: 182 days dividends | 3.80% | $1,289 |
| 42 monthsSpecial offer. Early withdrawal penalty: 365 days dividends | 4.47% | $1,654 |
| 45 monthsEarly withdrawal penalty: 365 days dividends | 3.80% | $1,501 |
| 48 monthsEarly withdrawal penalty: 365 days dividends | 3.80% | $1,609 |
| 51 monthsEarly withdrawal penalty: 365 days dividends | 3.80% | $1,718 |
| 54 monthsEarly withdrawal penalty: 365 days dividends | 3.80% | $1,827 |
| 57 monthsEarly withdrawal penalty: 365 days dividends | 3.80% | $1,938 |
| 60 monthsEarly withdrawal penalty: 365 days dividends | 3.80% | $2,050 |
| 65 monthsEarly withdrawal penalty: 365 days dividends | 3.80% | $2,239 |
| 72 monthsSpecial offer. Early withdrawal penalty: 365 days dividends | 4.58% | $3,083 |
Special-purpose accounts
Youth Share Certificate
4.27%APY · 1 term
Available to members ages 21 years and younger. Must purchase a $5.00 par value share in the credit union and be a member in good standing. Certificate rates are fixed for the term of the instrument unless otherwise disclosed. Early withdrawal penalty: 90 days dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable to members ages 21 years & younger. Early withdrawal penalty: 90 days dividends | 4.27% | $427 |
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.