Featured Savings Rates
Featured Accounts

Hope Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
3.01%Reward CheckingHOPE Rewards Checking
1.01%Reward SavingsHOPE Rewards Savings Plus Account
1.77%5-year CD60 Month Share Certificates

Overview / Commentary
601-944-1100
4 Old River Pl
Jackson, MS 39202-3431

Hope Federal Credit Union is headquartered in Jackson and is the 6th largest credit union in the state of Mississippi. It is also the 1,052nd largest credit union in the nation. It was established in 1995 and as of June of 2016, it had grown to 129 employees and 32,359 members at 23 locations. Hope Federal Credit Union's CD rates are 46% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in Hope Federal Credit Union is open to anyone in the United States who is planning on opening certain accounts (HOPE Saver, Club, or Certificates). Other accounts are limited to residents of Arkansas, Louisiana, Mississippi, and Tennessee. (membership requirements are listed in the credit union's online application)
See current membership details

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Reviews (5)

Really Bad Customer Experience

Posted by: cdfly1 | Dec 22, 2014

Hope CU offers the worst banking experience. Customer service is horrid.

Here are some examples of my experience. Upon account startup, the branch staff (including branch manager) couldn't accurately tell me my full account number for check ordering. Apparently the checks I ordered didn't correctly reflect my account number. Every piece of correspondence I received "masked" my full account number.

The friendliness and helpfulness of the staff is severely lacking. Not necessarily rude, but no way representing a helpful and positive attitude. Very cold and insincere.

ATM's and networks are unreliable and often off-line.

I'm preparing to close my account because the interest paid on the checking account is just not worth this experience - even when I rarely use the physical services.

Hope Credit Union Is Horrible

Hope Credit Union should be ashamed of themselves they are robbing from the poor if you get the overdraft protection on your account and don't have the money to cover it once you reached your max limit they will still charge you $25 and still will not pay whatever is trying to come out your account I would not recommend this bank to my worst enemy Hope Credit Union you suck... Robinhood Credit Union is your new name..

Horrible Bank!!!!!!!!

This bank is terrible!!!! Far most the worst I've ever seen!!!!! I will never do business with them again!!!!!

Horrible All Around, Look Elsewhere.

Posted by: Firsty | May 31, 2015

First, every single, "Online Banking," account I have ever had with these,"People," has been hacked into, resulting in countless calls to their, "Customer Service," department, which is horrendous on a GOOD day. Second, somebody on THEIR network sold my identity to a Magazine Subscription Company a MONTH after I joined. Third, they swapped a PAID Kasasa Cash account over to a FREE Hope Rewards checking account... Fourth, for SOME REASON, their,"Statements," seem to like to write up,"Atm Withdrawals," as,"In Store Purchases," for some heinous reason, and last but not least, I have spoken to the same employee for the last 6-7 months, who has provided me with fake passwords, will not delete any online banking accounts, and for some reason, likes to delete transactions. Through with putting money through this BANK filled with Horrible Actors.
If you joined with a Kasasa Paid Account, and were not notified of the swap to the,"Free Hope Rewards Checking Account," please, look up the number for BancVue Of Austin, Texas, as they own Kasasa. Speak to a representative and complain. Hope had 60 days to send out written notifications BEFORE swapping people out.
If you can, leave and go elsewhere for your business. Do NOT trust these people.

The Worst Credit Union I've Ever Known

Posted by: niniss | Aug 19, 2014

This is definitely the worst credit union/bank that I've ever encountered. Nasty customer service; no communication what's so ever; never respond to emails or inquiries either through their own website or just regular email boxes. For no reason at all, every month there are days that my debit card would deny any charges, be it online or physical swipe in the store. I've been tolerate of these for the last two years but the recent event is the last straw for me. They denied my July high interest and claimed that I only made 11 debit card transactions instead of the required 12. When I called them and went through each of my 13 transactions, I learned that they changed the qualification cycle by one day so 2 of my transactions were not counted. But the thing is that I've never received any mail or email notification of such change from them, so how in the world I would have known this. I asked them for one time courtesy waive because of the special circumstance and also because it was only one day difference but they still refused to make an adjustment. The entire experience was a total insult to me and my intelligence for thinking that this credit union can be reasoned with or worth doing business with!



Health
C+

Health Grade Components

Overall
NCUA #24829
Year Chartered1995
Employees129
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD4.85%
Annual Interest Income$3.9MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$184.2MM$175.2MM
LoansQ2 2016vs Q2 2015$132.1MM$129.0MM
DepositsQ2 2016vs Q2 2015$140.1MM$130.6MM
Equity CapitalQ2 2016vs Q2 2015$5.1MM$4.6MM
Secondary CapitalQ2 2016vs Q2 2015$15.5MM
Loan Loss AllowanceQ2 2016vs Q2 2015$2.4MM$2.4MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$9.4MM$9.4MM
Real Estate OwnedQ2 2016vs Q2 2015$511.00K$1.0MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Hope Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%*-$10kHOPE Rewards Savings Plus Account
OTHER TIERS: 0.50% $10k+
0.25%*-$100kShare Accounts
OTHER TIERS: 0.10% $100k+
0.20%--Nonprofit Bonus Rate Savings Account
0.20%--IRA Savings
0.20%--Roth IRA Savings

Hope Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$500k*-Jumbo Money Market Account
OTHER TIERS: 0.50% $100k - $500k
0.40%$1k$100kNon-Jumbo Money Market Account

Hope Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.01%*-$10kHOPE Rewards Checking
OTHER TIERS: 0.50% $10k+

Hope Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$95k-60 Month Jumbo Share Certificates
1.77%$1k-60 Month Share Certificates
1.71%$95k-36 Month Jumbo Share Certificates
1.46%$1k-36 Month Share Certificates
1.36%$95k-24 Month Jumbo Share Certificates
1.31%$95k-12 Month Jumbo Share Certificates
1.11%$1k-24 Month Share Certificates
1.06%$1k-12 Month Share Certificates
0.45%$95k-6 Month Jumbo Share Certificates
0.20%$1k-6 Month Share Certificates

Hope Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%$500-60-Month IRA Certificate
0.45%$500-18-Month IRA Certificate
Locations

Hope Federal Credit Union has 23 locations. Click to view all Hope Federal Credit Union locations.