Q: Who owns HOPE?
A: HOPE is owned by its members. Credit unions are co-operative organizations and each member has one vote, unlike banks where a few individuals may hold the vast majority of the shares and have greater influence.

Q: I see an organization called ECD in some places when I read about HOPE.  Who is ECD?
A: ECD (Enterprise Corporation of the Delta) is HOPE's sponsor.  ECD is a community development financial institution whose mission is to strengthen communities, build assets, and improve lives in economically distressed areas of the Mid South.  Credit unions are required to have some sort of associational bond for members and ECD provides that for HOPE.

Q: Do I have to work at a certain company or be a member of a particular group to join HOPE?
A: Everyone is eligible to join hope. As a community develop credit union, our field of membership is not limited to any particular group or geography.

Q: I have some credit problems. Can HOPE still help me?
A: HOPE can open an account for anyone, regardless of past credit or banking history. We do review credit and banking records and the information those contain may affect the type of account for which you are eligible. Members who do receive non-preferred accounts for this reason are eligible to upgrade to other products if their account remains in good standing for a specified period of time.

Q: Does HOPE provide grants?
A: HOPE is a credit union that makes loans to our members. We do not make grants or other gifts of money to individuals or organizations.

Q: I'm trapped in a relationship with a predatory financial institution. What should I do?
A: Contact HOPE to discuss your situation. We can often provide information that will help you make smart choices and may be able to find a financial solution with one of our products or services.