Hapo Community Credit Union Richland WA | Affordable Auto Loans & Online Banking

Introduction

Welcome to Hapo Community at our Meadow Springs branch, located conveniently at 631 Gage Blvd, Richland, WA 99352. Since opening our doors in 1953, we have been dedicated to serving our members and the surrounding community with trust and reliability. Our commitment is reflected in our robust membership of 208,696 individuals who rely on us for their financial needs. At Hapo Community, we take pride in managing assets totaling $2,367,011,447 while providing loans and leases to over 113,523 members. With total deposits of $250,311,667, we ensure that your hard-earned money is secure and accessible when you need it. Our net worth stands strong at $267,102,119, showcasing our stability and commitment to member service. Under the leadership of our CEO, Scott Mitchell, and Board President Ken Hohenberg, we strive to create a welcoming atmosphere where everyone feels valued. With a team of 513 employees, we're here to assist you in navigating your financial journey from personal banking options like checking accounts and auto loans to business services designed to help you grow. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 631 Gage Blvd, Richland, WA 99352. We invite you to explore our wide range of services including online and mobile banking, credit cards with rewards, mortgage loans, and more. We understand that every member's financial situation is unique. That's why we're always ready to provide personalized support tailored just for you. If you're looking for a reliable partner in your financial journey or if you simply have questions about our offerings, don't hesitate to reach out! Give us a call at 509-943-5676 or visit us online at hapo.org today! Join us as we continue building a stronger community together.

Branch History & Mission

Welcome to Hapo Community, a cornerstone of financial service and community support in Richland, WA. Since opening our doors in 1953, we have been dedicated to providing our members with reliable and compassionate banking solutions. Our journey began with a small group of individuals who believed in the power of collaboration and community. Today, we proudly serve over 208,000 members, reflecting the trust and loyalty built over decades. Located at 631 Gage Blvd, our branch is easily accessible for all your banking needs. As you visit us, you'll notice our commitment to innovation; we offer ATM services and drive-thru banking for added convenience. Our operating hours are designed to accommodate busy schedules: the lobby is open Monday through Friday from 9:00 AM to 5:30 PM, while the drive-thru extends until 6:00 PM on weekdays. At Hapo Community, our mission goes beyond traditional banking. We strive to empower individuals by offering a range of services including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our goal is not just to provide financial services but to foster financial literacy and growth within our community. Our total assets stand at an impressive $2,367,011,447, demonstrating our stability and ability to support our members' needs effectively. We take pride in offering personalized services that cater to both individual and business clients. Additionally, we engage in various outreach programs aimed at enriching the lives of those around us. While members can visit us at 631 Gage Blvd, official correspondence should be sent to 631 Gage Blvd, Richland, WA 99352 if needed. At Hapo Community, we prioritize accessibility and inclusivity; our facilities are ADA compliant ensuring everyone can benefit from our services. We are proud of the digital advancements we've made as well. With online and mobile banking options available alongside traditional services like basic drive-thru banking and ATM access, we work hard to meet the diverse needs of our members. Join us today at Hapo Community! Experience firsthand how we make a positive impact on your financial journey while contributing meaningfully to our local community. For more information or inquiries, feel free to call us at 509-943-5676 or visit us online at www.hapo.org. Let's build a brighter future together!

Branch Location & Accessibility

Accessibility and Parking

Our branch is designed with your convenience in mind. We offer ample parking, ensuring that you can quickly find a spot when you visit. For those who may need additional assistance, we are proud to be ADA compliant, featuring accessible ramps and entrances to make your experience as smooth as possible.

Operating Hours and Services

At Hapo Community, we understand that life can get busy! That's why our lobby is open Monday through Friday from 9:00 AM to 5:30 PM. If you need a little extra time for banking tasks, our drive-thru service extends until 6:00 PM on weekdays, so you can manage your finances at your convenience. We provide a wide range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans and credit cards with rewards. You can also enjoy the ease of online and mobile banking, allowing you to access your accounts anytime, anywhere.

Visit Us Today!

If you're looking for friendly service and community-focused banking, come visit us at Hapo Community in Richland. Feel free to give us a call at 509-943-5676 if you have any questions or need assistance before your visit. We can't wait to welcome you into our branch!

Member Eligibility

At Hapo Community, we believe that everyone deserves to be part of a supportive community where financial goals can thrive. Becoming a member is simple and welcoming! If you live, work, or attend school in the areas we serve, you're likely eligible to join us. We embrace individuals from diverse backgrounds, making it easy for you to access our range of services tailored just for you. For detailed eligibility criteria, feel free to visit our website at https://www.hapo.org/hapo-about/membership/join-online. Once you're ready to open an account, the process is straightforward and user-friendly. You can get started online by visiting http://www.hapo.org/loans/apply-for-a-loan, or if you prefer a personal touch, give us a call at (509) 943-5676. Our team at 631 Gage Blvd Richland Wa 99352 is here to help you every step of the way as you take this exciting step toward better financial well-being!

Business Banking & Commercial Services

Streamlined Merchant Services

In addition to loans, we offer merchant services tailored to streamline your transactions. Imagine being able to accept payments effortlessly, enabling you to focus on what matters most growing your business. From credit card processing to online payment solutions, our services help simplify your financial operations, allowing you to enhance customer satisfaction and boost sales. Located at 631 Gage Blvd Richland Wa 99352 in Richland, WA, we're here to partner with you on your journey toward success. Reach out today at (509) 943-5676 and let's explore how we can support your business goals!

Supporting Your Growth with Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $246 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $220,185,617, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For small business owners, we offer specialized services such as Merchant Services & Business Loans to help support and grow your business. Your success is important to us, and we're here to help every step of the way.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. Our Online & Mobile Banking platforms make it easy for you to check balances, transfer funds, and pay bills from anywhere. You can also enjoy the convenience of ATM & Cash Withdrawal Services, allowing you quick access to your cash without any hassle.

Personal Banking Solutions

We understand that managing personal finances can be overwhelming. That's why we offer Checking & Savings Accounts that help you keep your money safe while earning interest. If you're planning a big purchase or need a reliable way to handle everyday expenses, our Auto Loans & Vehicle Financing options can get you on the road quickly and affordably. For those looking to buy their dream home or refinance an existing mortgage, our Mortgage Loans & Refinancing solutions come with competitive rates and flexible terms.

Smart Borrowing Options

Life can throw unexpected challenges your way. With our Personal Loans & Debt Consolidation, you can take control of your finances and simplify your monthly payments. Plus, our Credit Cards with Rewards program allows you to earn points on everyday purchases perfect for those who love to shop or travel.

Streamlined Transaction Options

For straightforward banking needs, our Basic Drive-Thru Banking provides quick service for deposits, withdrawals, and simple transactions all without leaving your vehicle! Additionally, basic ATM access allows for withdrawals and balance checks at your fingertips. At Hapo Community in Richland, WA, we believe that managing your finances should be simple and accessible. We're here to support you with all your banking needs whether you're just starting out or planning for the future. Ready to explore how we can assist you? Give us a call at 509-943-5676 or visit us online at Hapo Community to learn more about how our services can fit into your life today!

Digital & Online Banking

Key Features of Our Digital Banking Services

With our online banking platform available at https://www.hapo.org/, you can access your accounts anytime, anywhere. Enjoy the freedom to check your balance, transfer funds, and pay bills with just a few clicks. We also provide E-Statements, allowing you to receive your account statements electronically no more waiting for the mail! Our mobile application makes banking even more convenient. You can make mobile payments directly from your phone, simplifying everyday purchases. Plus, if you ever need to send money to friends or family, our person-to-person transfers feature allows you to do so quickly and easily.

Security and Accessibility

We take your security seriously. Our platform uses advanced encryption technology to keep your information safe. Additionally, our electronic signature authorization feature means you can sign documents securely without needing to print anything out. You'll love how easy it is to manage your finances in real-time. With 24/7 online banking services available, you're always in control of your money. No matter where life takes you, Hapo Community ensures that accessing your accounts is straightforward and secure. Experience the convenience of modern banking today with Hapo Community!

Financial Strength

A Growing Community Trust

We proudly serve a growing community with 382,867 total share accounts that show a strong member base trusting us with their finances. Our net shares available for lending and investments amount to $2,134,829, reinforcing our ability to meet your financial needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing or planning for the future, Hapo Community is your trusted partner. Visit us at 631 Gage Blvd Richland Wa 99352 or call 509-943-5676 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings Options

Members' savings are secured through $370,746,891 in share certificates and $260,770,454 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $76,725,197, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

While our net income stands at $0, it reflects our commitment to maintaining an efficient operation while focusing on member benefits rather than profit alone. We take pride in having 505 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvesting for Growth

Our strong position is further supported by $263,266,217 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $44,509 in used auto loans and over $1.8 billion in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Strong Financial Health

With a net worth of $267,102,119, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1128 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $814,959,077 in used vehicle loans and $330,825,195 in new vehicle loans already helping members get on the road. Whether you need financing for a brand-new model or a reliable used vehicle, our flexible terms make it easier than ever.

Credit Lines and Other Options

For those seeking additional flexibility, our total credit lines amount to $585,922,225, giving you access to funds when you need them most. If you're considering refinancing your current loans or need assistance figuring out eligibility options for any of our products, our team is here to help guide you through the process smoothly. Our commitment extends beyond just providing loans; we strive to empower our members with the tools they need for financial success. Whether it's through tailored loan solutions or expert advice from our knowledgeable staff at Hapo Community, we're dedicated to supporting your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. We look forward to serving you and meeting your lending needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $59,525,634, make buying or refinancing simple. We aim to support your journey into homeownership with accessible terms and competitive rates.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $127,474,342 in loans helping members manage their finances effectively. Our credit cards come with features designed to fit your lifestyle and provide you with financial flexibility.

Loan Aggregator

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Real-Time Rate Comparisons

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Hapo Community