Better Banking. Better Lives.

Deposit and Loan Rates

HOPE offers our members competitive rates on deposit products and lower rates on loans. That means more money to keep in your pocket.

Before you settle for a checking account, share certificate, or personal loan anywhere else, make sure to check with us to see if we can offer you a better deal. We can also look at any current loans and determine if you could save money by refinancing at HOPE.

Rates effective as of May 17, 20171

Deposit Rates

For assistance with deposits of $95,000 or more, call our Investor Relations Department at 1-866-843-3358, extension 4173.

1Rates are subject to change. Fees could reduce earnings.

2Dividends on share accounts are set in arrears by the Board on a quarterly basis. Accounts earn dividends with a minimum balance of $100.

3Variable-rate account; rates may change after the account is opened.

4Early withdrawal penalties apply to all certificate and IRA accounts.

5Jumbo rates are available on deposits of $95,000 or more.

Loan Rates¹

1All loans subject to credit approval.

2Unsecured/Signature Loans with an annual interest rate of 5.00% (5.00% APR) and a term of 48 months would have a monthly payment of $92.32 for 4,000.

3Share/Certificate Secured Loans Unsecured/Signature Loans with an annual interest rate of 5.00% (5.00% APR) and a term of 60 months would have a monthly payment of $94.57 for 5,000.

4Vehicle Loans of $20,000 with an annual interest rate of 3.50% (3.584% APR) and a term of 72 months would have a monthly payment of $308.79.

5Credit Builder Loans with an annual interest rate of 6.00% (6.00% APR) and a term of 12 months would have a monthly payment of $85.79 for 1,000.

Business Loan Rates

Commercial Loans Wall Street Journal Prime Rate + 0% – 3%

You can also review our Schedule of Fees. Compare them to where you’re doing business now, and we think you’ll have one more reason to consider coming to HOPE!


Featured Stories

Hope Credit Union Expands into Southwest Little Rock

LITTLE ROCK, AR – Hope Enterprise Corporation and Hope Credit Union (HOPE) celebrated the grand opening of its newest location at 8411 Interstate 30 in Southwest Little Rock on Thursday, June 2. The new full service location expands on HOPE’s existing presence, a program office housing a commercial lender since 2006 and a branch in College Station since 2008, and offers area residents access to checking and savings accounts, auto loans and credit cards, mortgages and small business loans. Anyone who supports the mission of HOPE, to improve the quality of life for low-income and low-wealth individuals in the Mid South, may join the credit union to take advantage of the benefits of membership. “We are excited to open our newest branch in Southwest Little Rock, a diverse and growing community filled with opportunity,” said HOPE CEO Bill Bynum. “We are grateful to our long time partners the Winthrop Rockefeller Foundation, NeighborWorks® America and Regions Bank for their ongoing generosity and support to make this day possible.” Since 2008, HOPE has expanded from 7 to 27 locations – many of which are located in communities where few affordable banking options exist. HOPE serves 30,000 members, one out of three of whom were unbanked when they joined. Through July 31, 2016, HOPE will feature special offers to help make it more affordable for people to become members. The credit union will waive the monthly fee on all checking accounts for six months and the application fee on personal loans. HOPE offers checking and savings accounts, consumer and mortgage loans and commercial lending services. The Little Rock branch is open Monday – Thursday 9am – 4pm and Friday 9am – 6pm. For more information about HOPE or a complete list of services and locations, visit About HOPE HOPE (Hope Enterprise Corporation and Hope Credit Union) is a community development financial institution, community development intermediary and policy center that provides affordable financial services; leverages private, public and philanthropic resources; and engages in policy analysis in order to fulfill its mission of strengthening communities, building assets, and improving lives in economically distressed parts of the Mid South.

Bill Bynum Receives Ned Gramlich Award for Responsible Finance at 2014 Opportunity Finance Network Conference

Bill Bynum, CEO of HOPE received the 2014 Ned Gramlich Award for Responsible Finance.

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