Credit union · NCUA insured
Hometown Credit Union Savings Rates
Hometown Credit Union’s best savings rate is 0.80% APY on $10,000, with its Super Share Savings (S2). Rates checked October 22, 2026.
How Hometown Credit Union’s savings 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
0.80%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $80
Super Share Savings (S2)
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
Dacotah Bank
1.50%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $150
Hometown Credit Union savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.80%
- $100,000 balance$100,0001.41%
- QualifiedQualified0.80%
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.
Super Share Savings (S2)
0.80%APY
No minimum balance required to open or maintain account. Once a tier range is met, the rate applies to the full balance. Limited to six (6) withdrawals or transfers per month by pre-authorized/automatic/online/phone/fax/check/debit order.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $9,999 | 0.50% | — |
| $10,000 – $50,000 | 0.80% | $80 |
| $50,000 – $100,000 | 1.11% | — |
| $100,000 – $250,000 | 1.41% | — |
| $250,000 and up | 1.71% | — |
Share Savings (S1)
0.40%APY
Minimum required to open and maintain account is $5.00 par value share. Limited to six (6) withdrawals or transfers per month by pre-authorized/automatic/online/phone/fax/check/debit order.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $5Disclosed rate applies to balances >$5.00.Over $5 | 0.40% | $40 | Disclosed rate applies to balances >$5.00. |
Special-purpose accounts
IRA – Roth (S8)
3.87%APY
Opening minimum balance is $100.00. No minimum daily balance required to maintain account and receive disclosed interest. Pre-authorized, automatic, or telephone transfers are not permitted.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.87% | $387 |
IRA – Traditional (S7)
3.87%APY
Opening minimum balance is $100.00. No minimum daily balance required to maintain account and receive disclosed interest. Pre-authorized, automatic, or telephone transfers are not permitted.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.87% | $387 |
Christmas Club (S5)
2.02%APY
Maximum deposit amount is $5,000 during each club period. No withdrawals allowed during the club period; entire balance is paid by check or transferred into another account on or after November 1st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Maximum deposit per club period is $5,000. Funds automatically transfer into S1 account on November 1st.Up to $5,000 | 2.02% | — | Maximum deposit per club period is $5,000. Funds automatically transfer into S1 account on November 1st. |
HSA Draft (S70)
2.02%APY
There is no minimum balance required to open or maintain the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.02% | $202 |
Youth Share Savings (S3)
2.02%APY
Available to members through the age of 21 (ages 21 and under only). No minimum balance required to open or maintain account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable to members through age 21.Any balance | 2.02% | $202 | Available to members through age 21. |
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.