Home Town

owatonna, Minnesota
Last verified: July 9, 2026

As of July 9, 2026, Home Town offers a money_market mortgage at 1.15% APR (1.15% rate, 0 points). Auto loans available from 4.24% APR. HELOC rates from 3.99% APR. Personal loan rates from 6.49% APR.

Source: RateAPI.dev, verified from Home Town's official website

Mortgage Rates

Rates as of July 9, 2026

money_market
1.150% APR
Rate1.150%
Points0
Money Market
share_certificate
4.000% APR
Rate4.000%
Points0
Share Certificates

Auto Loan Rates

Rates as of July 9, 2026

auto
4.240% APR
Rate4.240%
Auto Loans
auto
5.490% APR
Rate5.490%
Motorcycle Loans
auto
5.990% APR
Rate5.990%
Boat & RV Loans
auto
5.990% APR
Rate5.990%
Boat Loans
auto
5.990% APR
Rate5.990%
Recreational Vehicle Loans
auto
5.990% APR
Rate5.990%
Trailer Loans
auto
6.490% APR
Rate6.490%
ATV Loans
auto
6.490% APR
Rate6.490%
Snowmobile Loans
credit_card
10.900% APR
Rate10.900%
HomeTown Classic Credit Card
credit_card
10.900% APR
Rate10.900%
Mastercard Credit Card

HELOC Rates

Rates as of July 9, 2026

heloc_variable
3.990% APR
Rate3.990%
HELOC
heloc_variable
3.990% APR
Rate3.990%
Spring 2026 HELOC Special*
heloc_fixed
5.740% APR
Rate5.740%
Home Equity Loans
heloc_variable
6.500% APR
Rate6.500%
Home Equity Line of Credit

Personal Loan Rates

Rates as of July 9, 2026

personal_secured
6.490% APR
Rate6.490%
New & Used Non-Titled Misc. Secured Loans 2023 & Newer
personal_secured
6.990% APR
Rate6.990%
Used Non-Titled Misc. Secured Loans 2022 & Older
personal
10.000% APR
Rate10.000%
Credit Builder Loan
personal_unsecured
10.490% APR
Rate10.490%
Unsecured Personal Loans
ploc_variable
13.000% APR
Rate13.000%
Unsecured Line of Credit

Frequently Asked Questions

What rates does Home Town offer?

Home Town currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 9, 2026 directly from the credit union's official website.

How often are Home Town rates updated?

RateAPI verifies Home Town's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 9, 2026.

Where does RateAPI get Home Town's rate data?

Rate data is collected directly from Home Town's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Home Town's mortgage rate?

As of July 9, 2026, Home Town offers a money_market mortgage at 1.15% APR.

What is Home Town's auto loan rate?

As of July 9, 2026, Home Town offers auto loans from 4.24% APR.

Related Rate Data

Compare Home Town's rates against national credit-union benchmarks.

More Minnesota credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Home Town
curl "https://api.rateapi.dev/credit-unions/minnesota/home-town" \
  -H "Authorization: Bearer YOUR_API_KEY"
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