Hapo Community Credit Union Richland WA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Hapo Community, your trusted financial partner since 1953. Located at 3034 Duportail St, Richland, WA 99352, we are dedicated to serving our growing community of over 208,696 members with personalized banking solutions that meet their unique needs. With total assets exceeding $2.36 billion, we pride ourselves on our stability and commitment to helping you achieve your financial goals. At Hapo Community, we understand that banking is more than just transactions; it's about building lasting relationships. Our team, led by CEO Scott Mitchell and Board President Ken Hohenberg, is here to provide you with a range of services from checking and savings accounts to auto loans and mortgages. With a robust portfolio of 113,523 loans and total deposits of $250,311,667, our resources are designed to empower you and support your dreams. While members can visit us at our branch location, official correspondence should be sent to the same address: 3034 Duportail St, Richland, WA 99352-6103. Our friendly staff is available during lobby hours from 9:00 AM to 5:30 PM on weekdays and from 9:00 AM to 1:00 PM on Saturdays for full service. You can also reach us by phone at 509-943-5676 or via fax at 509-946-8787 for any inquiries. With a solid net worth of $267,102,119 and cash in hand amounting to $71,891,131, we are well-equipped to provide you with the security and confidence you deserve in your financial journey. We invite you to explore our offerings further on our website at www.hapo.org or drop by our branch today. Experience the difference with Hapo Community where members come first!

Branch History & Mission

Community Focus

Hapo Community believes that true success lies in giving back. We actively engage in community outreach initiatives that support local events and charities. Our partnerships extend beyond banking; they foster connections that uplift lives and strengthen our neighborhoods. As we embrace digital advancements like mobile payments and online banking, we remain committed to accessibility for all members. Our branch is ADA compliant and equipped with an ATM for easy access to your funds anytime you need them.

Join Us Today

We invite you to experience the difference at Hapo Community. With over $2.36 billion in assets and a dedicated team ready to assist you, we're here to help you navigate your financial journey confidently. Discover how membership can benefit you by visiting us or calling us at 509-943-5676 today! Let's build a brighter future together one member at a time!

Our Journey

From humble beginnings, Hapo Community has transformed into a thriving credit union with total assets exceeding $2.36 billion. Our commitment to providing exceptional service and financial products has allowed us to flourish over the decades. We have witnessed significant milestones: expanding our services, enhancing technology, and forming valuable partnerships within the community. Each step reflects our mission to empower individuals and families through better financial solutions.

Our Mission

At Hapo Community, our mission is simple yet profound: we strive to enhance the financial well-being of our members while actively contributing to the community's growth. We offer a wide array of services including personal banking, auto loans, mortgages, business banking, and convenient online banking options. Whether it's helping someone buy their first car or guiding a family through home financing, every interaction emphasizes our dedication to making financial dreams achievable. While members can visit us at 3034 Duportail St, official correspondence should be sent to 3034 Duportail St, Richland, WA 99352-6103. Our lobby hours are from Monday to Friday, 9:00 AM to 5:30 PM and drive-thru service is available until 6:00 PM on weekdays and from 9:00 AM to 1:00 PM on Saturdays.

Branch Location & Accessibility

Easy Access and Parking

We understand that convenience matters. Our branch offers ample parking, including accessible spots for those who need them. If you prefer to conduct your banking from the comfort of your vehicle, our drive-thru service is available during extended hours open until 6:00 PM on weekdays and from 9:00 AM to 1:00 PM on Saturdays.

Services Tailored for You

Hapo Community provides a wide range of services designed to meet all your financial needs. From personal checking and savings accounts to auto loans and mortgage refinancing, our friendly team is ready to assist you. We also offer online and mobile banking options so you can manage your finances anytime, anywhere. Need cash? Our ATM is readily available for quick withdrawals and balance checks. If you're looking for personalized service without the hassle, come visit us at Queensgate! For any inquiries or assistance, feel free to give us a call at 509-943-5676. We look forward to serving you!

Welcoming Banking Hours

At Hapo Community, we strive to accommodate your busy schedule. Our lobby is open Monday through Friday from 9:00 AM to 5:30 PM, giving you plenty of time to visit us after work or during your lunch break. On Saturdays, we offer full-service banking so you can handle your transactions at your convenience.

Member Eligibility

At Hapo Community, we believe that everyone deserves a place in our community, and becoming a member is as easy as connecting with us! If you're looking to join our family, you'll find that eligibility is straightforward. Generally, you can become a member if you live, work, worship, or attend school in the areas we serve. We also welcome family members of existing members, making it even easier for loved ones to benefit from our services together. For the most up-to-date information on eligibility criteria, feel free to visit our website at https://www.hapo.org/hapo-about/membership/join-online. Once you know you're eligible, opening an account is a breeze! You can start your journey with us by applying online through this link: http://www.hapo.org/loans/apply-for-a-loan. If you have any questions or need assistance along the way, don't hesitate to reach out at (509) 943-5676. We're here to help you every step of the way as you take advantage of all the benefits that come with being a member of Hapo Community at 3034 Duportail St Richland Wa 99352. Welcome aboard!

Business Banking & Commercial Services

Merchant Services That Make Transactions Easy

In today's fast-paced market, efficient payment processing is crucial. Our merchant services simplify transactions for your customers while giving you peace of mind. Imagine being able to accept payments from anywhere whether it's in-store or online without worrying about complicated setups or high fees. We're here to make it easy so you can focus on what matters most: growing your business. Visit us at 3034 Duportail St Richland Wa 99352 in Richland, WA, or call us at (509) 943-5676 to learn how we can help your business thrive!

Tailored Commercial 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

If you're a business owner, we haven't forgotten about you! Our Business Banking services include essential tools such as Merchant Services & Business Loans designed to help your enterprise thrive. We understand how critical cash flow is for businesses, and we're here to support your growth.

Digital Banking Convenience

In today's world, convenience is key. That's why at Queensgate, we prioritize digital banking features that put control in your hands. With our Online & Mobile Banking, accessing your account is just a click or tap away. You can easily transfer funds, pay bills, or even send money to friends with our person-to-person payment feature. Our physical services include an ATM for quick cash withdrawals and a drive-thru option for deposits and simple transactions all designed with your busy lifestyle in mind.

Get Started Today!

Ready to take charge of your financial future? Visit us at 3034 Duportail St Richland Wa 99352 or call us at (509) 943-5676 for more information on how we can assist you today. Whether you're opening an account, applying for a loan, or simply seeking advice on managing your finances, our friendly team at Hapo Community is here to help every step of the way!

Loans and Financing

Need a new car? Our Auto Loans & Vehicle Financing options can help you get behind the wheel quickly. With competitive rates and flexible terms, we aim to make your purchasing experience smooth and affordable. If you're dreaming of owning a home, explore our Mortgage Loans & Refinancing services that can guide you through the buying process or help lower your current mortgage payments. For those times when unexpected expenses arise, consider our Personal Loans & Debt Consolidation offerings. These loans can provide the financial relief you need while helping you manage existing debts more effectively. Plus, don't forget about our Credit Cards with Rewards, which allow you to earn points on everyday purchases turning spending into savings!

Personal Banking

Managing your finances has never been easier with our Personal Banking options. We offer various Checking & Savings Accounts tailored for different lifestyles and financial goals. Imagine having a checking account that not only makes transactions simple but also helps you save effortlessly. Our accounts come with features like online banking and mobile access, making it easy to check balances or make transfers from anywhere.

Digital & Online Banking

Enhanced Security and Convenience

Your security is our top priority. We use electronic signature authorization to keep your transactions safe and ensure peace of mind while banking online. Our mobile application further enhances this experience, allowing you to manage your accounts right from the palm of your hand. Whether you're checking your balance or making payments, everything is just a few taps away. At Hapo Community, we believe in providing accessible and easy-to-use tools that empower you to take control of your financial life. Explore all these features and more by visiting us at https://www.hapo.org/ today!

Key Features of Our Digital Banking Services

Our user-friendly online banking platform allows you to check balances, make transfers, and pay bills all from the comfort of your home or on the go. Plus, with features like e-statements available, you can easily track your finances without the clutter of paper statements. Need to send money to a friend? With our person-to-person transfers, you can quickly send funds directly from your account. And if you're out shopping, take advantage of our mobile payments feature that lets you make purchases right from your smartphone.

Financial Strength

Commitment to Growth

With $263,266,217 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $44,509 in used auto loans and a remarkable total of $1,877,688,371 in loans and leases.

Growing Member Base

We are proud to have 382867 total share accounts, showing a strong and growing member base that trusts us with their finances. Our commitment to transparency means you can feel secure knowing your money is managed responsibly. Our financial strength means we can continue serving you with confidence. Whether you're saving or borrowing or planning for the future, Hapo Community is your trusted partner. Visit us at 3034 Duportail St or call 509-943-5676 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member-Centric Approach

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

Our operational efficiency is reflected in our net income of $0, allowing us to focus on enhancing services rather than profits. Additionally, we have a dedicated team of 505 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with knowledgeable support.

Solid Financial Foundation

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're considering a brand-new ride or a reliable used option, our financing solutions make it easier than ever to drive home your ideal vehicle.

Credit Lines and Unsecured Credit Cards

We also provide flexible terms on unsecured credit card loans, with a total of $127,474,342 in loans helping members manage their finances effectively. If you're looking for a reliable source of credit that fits your lifestyle without the need for collateral, our unsecured credit cards may be just what you need. Additionally, our total credit lines stand at $585,922,225, ensuring you have access to funds when necessary.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $59,525,634, making buying or refinancing simple. With various plans available, we aim to support you every step of the way as you transition into your new home.

Refinancing Options

If you're already carrying loans from other institutions or are looking to adjust your current payment structure, consider our refinancing options. We can work with you to explore eligibility and find terms that suit your situation best. At Hapo Community in Richland, WA (3034 Duportail St), we pride ourselves on providing personalized service and expert advice tailored to each member's needs. For more information or questions about our loan offerings, feel free to reach out at 509-943-5676. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial dreams!

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Hapo Community