Credit card options
for every lifestyle…
including yours.

Everything you want in a credit card, nothing you don’t.

Our Platinum credit cards offer hometown convenience, worldwide acceptance, and great benefits.
Competitive Rates1
Free FICO Score2
Cell Phone Protection3
Fraud Monitoring and Zero Fraud Liability
SecurLOCK™ Email and Text Fraud Alerts
Mobile Payments


  • Unlimited rewards that don’t expire.
  • Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel, and more. Visit for details.

Cash Rewards

  • Earn 1% cash back on all net purchases.
  • Cash rewards never expire.


  • No penalty APR
  • Competitive Rates


  • Unlimited rewards that don’t expire.
  • Earn 1.5 points per dollar on net purchases and redeem them for merchandise, rental cars, cruises hotels, and airline travel. Visit for details.
  • Earn 30,000 points when you spend $2,500 in the first three months.
  • Exclusive World Mastercard Benefits1
    • Complimentary ShopRunner® Membership
    • Travel Benefit
    • Experiences and Offers
    • Golf Privileges


  • Build credit history
  • Works like any other credit card except it requires a security deposit which is held as collateral for your account.
  • Graduation Eligibility4: With responsible use, you may become eligible for graduation to an Unsecured Credit Card in as little as 13 months4
In order to access rewards, your account must be open and in good standing.
1 See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
2 FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.
3 Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit or to file a claim visit the FAQ section at or call 1-866-894-8569.
4 In as little as 13 months of responsible use, you become eligible for an account review for graduation to an unsecured credit card. In order to graduate, you must: make on-time payments, spend within your credit limit, have a credit score of at least 660, and have no delinquencies in 12 months. If your account becomes 30 days delinquent, we will close the account and use your security deposit to pay any outstanding balances. Any remaining funds will be returned to you within 90 days of account closing.

“I love my HomeTown Bank credit card! Easy process to apply and great rewards.”

– Sarah G. • Olivia, MN

Come home to HomeTown

HomeTown Bank