Credit union · NCUA insured
Hometown Federal Credit Union Savings Rates
Hometown Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Share (Savings) Account. Rates checked October 15, 2026.
How Hometown Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Peru, IN, where Hometown Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hometown Federal Credit Union
0.50%APY
- Minimum
- $25
- Earns on $10,000 a year
- $50
Share (Savings) Account
Top rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
First Farmers Bank & Trust
2.70%APY
- Minimum
- —
- Earns on $10,000 a year
- $270
Hometown Federal Credit Union savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 Federal 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.
Share (Savings) Account
0.50%APY
A $25 balance is required for Credit Union membership. Dividends are calculated on daily balance and paid monthly. Can be used for overdraft protection for share draft checking accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends are calculated on daily balance and paid monthly.$25 and up | 0.50% | $50 | Dividends are calculated on daily balance and paid monthly. |
Special-purpose accounts
Individual Retirement Account (IRA)
0.75%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.75% | $75 |
Christmas Club Account
0.50%APY
Can be opened anytime throughout the year. Dividends are calculated on daily balance and posted monthly. Funds are available the beginning of October with no fees assessed for withdrawal until December 31.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends calculated on daily balance and posted monthly. Funds available beginning of October with no withdrawal fees until December 31.Any balance | 0.50% | $50 | Dividends calculated on daily balance and posted monthly. Funds available beginning of October with no withdrawal fees until December 31. |
IRA (Shares)
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.50% | $50 |
Sources (1)
- hometownfcu.org/share-rates · captured Sep 18, 2026
Who can join Hometown Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live or work in, and businesses and other legal entities located in, Miami County, Indiana (except persons eligible for primary membership in an occupational credit union maintaining its principal office in Miami County, Indiana) are eligible for membership.
Employers and groups
- Employees of Hometown Federal Credit Union are eligible for membership.
- Persons retired as pensioners or annuitants from employment with the credit union are eligible for membership.
Family and household
- Immediate family members of eligible persons and organizations of such persons are eligible for membership.
Other ways
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Membership information collected October 5, 2026.