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We trace our roots to Kulm, ND where we were chartered as Kulm Credit Union on December 10, 1949 to help people (mostly farmers) get credit so they could improve their farms and their lives. By May 13, 1950 there were 54 members with share savings of $3,512.32. At first we operated out of a single room in the Farmers Union Oil building. For many years the small but financially sound “small town” credit union helped its members achieve their financial goals. While Credit Unions in surrounding towns came and went, and merged with “big city” Credit Unions, Kulm Credit Union remained committed to its local membership. Assets of the Credit Union reached $1,013,305.14 at the end of February 1974.

In 1987 a group of people from the Ashley area approached the Kulm Credit Union Board of Directors to see if they would consider buying the Ashley Branch of Metropolitan Federal Savings and Loan, which was being closed. The acquisition was approved by the member/owners, and on June 6, 1988 our name was officially changed to Hometown Credit Union. While our membership base expanded, our hometown commitment remained strong.

In the early 1990s the residents of Emmons county found themselves in difficult economic times. 1995 the Board of Directors of the Hazelton Credit Union – the only remaining Credit Union in Emmons County – approached the Hometown Credit Union board about merging the two financial institutions. On May 1, 1995 Hometown Credit Union took over all of their assets and liabilities, and our Hazelton branch office was established.
Our newest branch was opened on August 7, 2017 in Lincoln, ND. Lincoln, a suburb of Bismarck, is one of the fastest growing cities in North Dakota. This “urban” location will help Hometown Credit Union expand its deposit base and diversify our portfolio. By the end of 2017, deposits in the Lincoln branch reached $1 million.


Contact Information

Phone Number: 877-304-0035
Address: 18 South Main / PO Box 310 Kulm, ND 58456
Email: [email protected]