Kulm, ND - Hometown Credit Union employees recently volunteered at the “Living on My Own” reality simulation at Kulm Public School.  This simulation through the NDSU Extension Services teaches the senior classes of Kulm and Edgeley about the importance of budgeting for major expenses, such as purchasing a home or car, and paying bills.  The students also learn everyday life tasks such as doing laundry.  The staff of Hometown Credit Union enjoys helping students learn life skills, as well as getting to know the local students and learning about their future goals!

​Additionally, two of Hometown’s Kulm branch Ag loan officers, John & Layton, had the privilege to talk with the Consumer Education class about the importance of learning how to read and complete a balance sheet - especially if the students are planning to run a business, including a farm, someday.  They also discussed how to figure net worth and how to build credit, as well as why it may be important to attend a trade school/college to learn skills they can bring back to their business to save on costs.

Since 1949, Hometown Credit Union based in Kulm, ND has provided members with a place to save their hard-earned money and earn excellent dividend rates on savings, while offering loans at the lowest rates possible, helping their member-owners with all their financial needs through all walks of life. With branches in Ashley, Hazelton, and Lincoln ND, the credit union holds over $134M in assets and has over 3,300 members.