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.

Deposit rates effective as of April 1, 2024. Loan rates effective as of March 1, 2024.¹

See Deposit and Loan rates below.

Deposit Rates

	Annual Percentage Rate (APR)	Annual Percentage Yield (APY)	Jumbo APR	Jumbo APY

Share Accounts²
On balances of at least $100 up to $100,000	0.25%	0.25%
On balances over $100,000	0.25%	0.25%
HOPE Rewards Saving Plus Accounts³
On balances up to $10,000 When Qualifications are Met⁴	1.00%	1.01%
Balances of $10,000.01 – $50,000⁴	1.50%	1.51%
Balances of $50,000.01 or greater⁴	1.50%	1.51%
When Qualifications not met	0.10%	0.10%
HOPE Rewards Checking and Checking Plus Accounts³
On balances up to $10,000⁴	2.969%	3.01%
On balances over $10,000⁴	0.50%	0.50%
When Qualifications Not Met	0.10%	0.10%
Nonprofit Bonus Rate Savings Account³
	1.50%	1.51%
Money Market Account³ ($1,000 Minimum)
Non-Jumbo	0.25%	0.25%
Over $100,000			1.00%	1.01%
Over $500,000			1.00%	1.01%
Transformational Deposits	0.25%	0.25%	0.25%	0.25%
Share Certificates^5,6 (CDs) ($1,000 Minimum)
6 Month	0.75%	0.75%	0.75%	0.75%
12 Month	3.00%	3.05%	3.00%	3.05%
24 Month	2.11%	2.13%	2.11%	2.13%
36 Month	2.01%	2.03%	2.01%	2.03%
60 Month	1.94%	1.96%	1.94%	1.96%
Transformational Deposits (Not available on 6-month term.)	0.25%	0.25%
Jumbo Transformational Deposits⁶ (Available on deposits of $5,000,000 or more.)			0.35%	0.35%
Individual Retirement Accounts⁵
IRA Savings	0.25%	0.25%
IRA 18-Month Certificate	2.11%	2.13%
IRA 60-Month Certificate	1.94%	1.96%

For assistance with deposits of $95,000 or more, call our Investor Relations Department at 1-866-843-3358, extension 8307.

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.

⁴When qualifications are met.

⁵Early withdrawal penalties apply to all certificate and IRA accounts.

⁶Standard jumbo rates are available on deposits of $95,000 or more. Jumbo rates for Transformational Deposits of $5,000,000 or more.

Loan Rates¹

Loan Type	Rate (APR)²	Maximum Amount	Maximum Term
Unsecured / Signature³	8.50% – 18.00%	10% of Gross Income	48 Months
Share / Certificate Secured⁴	8.50% – 8.80%	Amount of Funds on Deposit	60 Months
Vehicle Loans	8.50% – 18.00%
New (First Lien Only)		100% of Invoice Price	72 Months
Used Auto (First Lien Only)		100% of NADA Retail Value	72 Months for Current Year Model or 1 Year Old – Term Decreases for Older Models
New Motorcycle (First Lien Only)		100% of Invoice Price	60 Months
Used Motorcycle (First Lien Only)		100% of Used Motorcycle Guide Value	60 Months for Current Year Model or 1 Year Old – Term Decreases for Older Models
Home Equity	Contact your local branch for home equity loan details.
Credit Cards	13.25% – 18.00%	Credit Limits of Up to $10,000
Credit Builder Loans⁵	8.50% – 18.00%

¹All loans subject to credit approval. Rates subject to change.

²“APR” is Annual Percentage Rate. Actual rates vary based on age of the vehicle or other collateral, borrower credit history, loan-to-value ratios and repayment term.

³Unsecured/Signature Loans for $4,000 with an interest rate of 8.50% (8.50% APR) and a term of 48 months would have a monthly payment of $92.32.

⁴Share/Certificate Secured Loans Unsecured/Signature Loans of $5,000 with an interest rate of 8.50% (8.50% APR) and a term of 60 months would have a monthly payment of $94.57.

⁵Credit Builder Loans with an annual interest rate of 8.50% (8.50% 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 Consumer Schedule of Fees and our Business 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!