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

Introduction

Welcome to Hapo Community, your trusted partner in financial well-being since 1953. Located conveniently at 601 Williams Blvd, Richland, WA 99354, we pride ourselves on being more than just a credit union; we are a community committed to serving over 208,000 members with integrity and dedication. Whether you are looking for personal banking solutions like checking and savings accounts, vehicle financing, or even business loans, our diverse offerings cater to your unique financial needs. At Hapo Community, we understand the importance of trust in building lasting relationships. With total assets exceeding $2.36 billion and total deposits of $250,311,667, you can feel confident that your money is safe and sound with us. Our CEO, Scott Mitchell, along with Board President Ken Hohenberg, leads a dedicated team of 513 employees who are always ready to assist you. Together, we work tirelessly to ensure that your financial goals are met while contributing positively to our local community. For any official correspondence, please note that while you can visit us at our branch address, it's best to send mail to the same location: 601 Williams Blvd, Richland, WA 99354. We invite you to explore all that Hapo Community has to offer by visiting our website at hapo.org. Whether you're interested in applying for a loan or simply want more information about our services, we're here for you! Feel free to give us a call at 509-943-5676 or drop by during lobby hours from Monday to Friday between 9:00 AM and 5:30 PM. Experience the Hapo difference today!

Branch History & Mission

Hapo Community has a rich legacy that began in 1953 when it first opened its doors in Richland, WA. Over the years, this branch has grown from a small community initiative into a vital financial resource for its members. Today, with over 208,000 members and total assets exceeding $2.36 billion, Hapo Community stands as a testament to the power of cooperative banking. Located at 601 Williams Blvd, Richland, WA 99354, our branch is easily accessible for all community members. Whether you're visiting us for personal banking or business services, you'll find our welcoming atmosphere and dedicated staff ready to assist you. While members can visit us at this address, official correspondence should be sent to the same location. Our mission is simple yet profound: to improve the financial well-being of our members while fostering a strong sense of community. We believe in providing personalized financial services that empower individuals and families to achieve their dreams. This commitment to service extends beyond traditional banking; we actively engage in community outreach programs that support local initiatives and strengthen our ties within Richland. As we've evolved over the decades, we've embraced technology to enhance our offerings. Our members enjoy convenient access to online and mobile banking services, allowing them to manage their finances on their terms. Additionally, we are committed to ensuring our facilities are ADA compliant so everyone can access our services without barriers. Hapo Community also prioritizes partnerships with local organizations to maximize our impact. Through various outreach programs and financial literacy workshops, we aim to uplift those around us and foster economic growth within our community. With operating hours from Monday to Friday, 9:00 AM to 5:30 PM for lobby visits and until 6:00 PM for drive-thru banking, we strive to accommodate your schedule. Plus, our ATM availability ensures that accessing your funds is quick and easy. If you're looking for a credit union that values both your financial health and your community's well-being, consider joining Hapo Community. Experience the benefits of being part of an organization that truly cares about its members. Call us today at 509-943-5676 or visit our website at hapo.org to learn more about how we can serve you!

Branch Location & Accessibility

Welcome to Hapo Community, your friendly credit union located at 601 Williams Blvd in beautiful Richland, WA. Our branch is designed with your convenience in mind, making banking easy and accessible for everyone in the area. Situated near local landmarks, our location is not only easy to find but also has ample parking available for members who prefer to visit us in person. At Hapo Community, we strive to create an inviting atmosphere for all our members. Whether you need to access our services via the drive-thru or stop by the lobby, we ensure that every visit is smooth and hassle-free. Our branch is fully compliant with ADA standards, featuring ramps and other accessibility options to assist all of our members. We know how busy life can get, which is why we offer flexible operating hours. Our lobby is open from Monday to Friday from 9:00 AM to 5:30 PM, and if you're on the go, our drive-thru service operates until 6:00 PM on weekdays for those quick transactions. In addition to traditional banking services like checking and savings accounts, Hapo Community also offers auto loans, mortgage loans, personal loans, and even credit cards with rewards. Plus, enjoy the added convenience of ATM access for cash withdrawals and balance checks whenever you need it. While members can visit us at 601 Williams Blvd, official correspondence should be sent to the same address since it serves as both our branch and mailing address. If you have any questions or would like more information about our services, feel free to reach out at 509-943-5676. We invite you to come visit us today at Hapo Community! Experience first-hand how we can help you achieve your financial goals.

Member Eligibility

Becoming a member of Hapo Community is like joining a warm, welcoming family that truly cares about your financial well-being. If you live or work in the local community, you're already on your way to enjoying the benefits that come with membership. At Hapo Community, we believe in inclusivity, so whether you're looking for personal banking solutions, auto loans, or business services, we've got you covered. Our eligibility criteria are straightforward and designed to make it easy for you to get started; for a detailed look at what it takes to become a member, feel free to check out our website at https://www.hapo.org/hapo-about/membership/join-online. Once you're ready to take the next step, opening an account is just as simple! You can easily apply online by visiting http://www.hapo.org/loans/apply-for-a-loan, or if you prefer to talk to someone directly, give us a call at (509) 943-5676. Our friendly team at our branch located at 601 Williams Blvd Richland Wa 99354 is here to help you every step of the way. Join us today and discover how being part of Hapo Community can make a positive difference in your financial journey!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer comprehensive merchant services that can enhance your business operations. From payment processing solutions that keep transactions smooth at your point of sale to online payment options that cater to today's digital customers, we ensure you have the tools needed to thrive. Located conveniently at 601 Williams Blvd, Richland, WA 99354, our team is ready to help you explore these options. Contact us today at 509-943-5676 and discover how Hapo Community can empower your business!

Tailored Business 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. - With an outstanding commercial loan portfolio of $220,185,617, we continue to drive economic growth by financing new and expanding businesses. Imagine having the financial backing to expand your operations, purchase new equipment, or even hire additional staff. Our member-focused approach ensures that you receive the personalized service necessary to navigate your financial journey successfully.

Comprehensive List Of Services

Business Banking Solutions

Business owners will find robust support at Hapo Community as well. Our business banking services include merchant services and business loans designed to help you grow your enterprise. We understand the challenges faced by small businesses and strive to offer solutions that fit your specific needs.

Convenient Access and Support

Accessing your accounts has never been easier! With our ATM services available at multiple locations, you can withdraw cash or check balances whenever necessary. For simpler transactions, take advantage of our basic drive-thru banking services for deposits and withdrawals without leaving your car. At Hapo Community, we value convenience and accessibility. Our digital banking features let you manage your finances from anywhere, making it simple to stay on top of your budget while enjoying the freedom of mobile payments. If you're ready to experience personalized service backed by comprehensive financial solutions, call us today at (509) 943-5676 or visit us at 601 Williams Blvd Richland Wa 99354 in Richland, WA. Join us at Richland and discover how we can support your financial goals!

Loans Made Easy

When it's time to make significant purchases like a new car or home, Hapo Community offers a variety of loan options. Our auto loans and vehicle financing solutions cater to different budgets and preferences, ensuring that you can drive away in the car of your dreams without breaking the bank. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans provide competitive rates and personalized service to guide you through the process. For those unexpected expenses or consolidating debt, our personal loans offer flexible terms that can help alleviate financial stress. Plus, don't forget about our credit cards with rewards perfect for earning benefits while making everyday purchases!

Personal Banking Services

For those seeking reliable banking options, our personal banking services include checking and savings accounts tailored to fit your lifestyle. Imagine managing your finances with ease, knowing that you can access your funds anytime through our online and mobile banking platforms. You can effortlessly track your spending, pay bills, and transfer money with just a few taps on your smartphone.

Digital & Online Banking

At Hapo Community, we believe in making your banking experience as convenient and secure as possible. Our digital and online banking services are designed to fit into your busy lifestyle, allowing you to manage your finances anytime, anywhere. With just a few clicks at https://www.hapo.org/, you can access a wide range of features. Our 24/7 online banking services give you the freedom to check your account balance, pay bills, and transfer funds whenever it suits you. Need to send money to a friend? Our person-to-person transfers make it easy to send cash directly from your account without any hassle. If you prefer using your smartphone, you'll love our mobile application, available for download now. It's user-friendly and packed with features like mobile payments, which let you make purchases with ease. Plus, with e-statements available, you can go green by opting for digital documents instead of paper statements. Your security is our priority at Hapo Community. We use electronic signature authorization for transactions, ensuring that everything is safe and sound. You can feel confident managing your finances online without worrying about security issues. Whether you're at home or on the go, our digital services are designed to keep you connected and in control of your money. Experience the convenience of modern banking today at Hapo Community!

Financial Strength

At Hapo Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With a commitment to transparency and trust, we ensure that our financial health directly benefits you. 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. 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. Our strong performance is further reflected in our $263,266,217 in undivided earnings. This amount allows us to reinvest in innovative banking tools and stronger lending options to serve our members better. We have also extended $44,509 in used auto loans and hold a total of $1,877,688,371 in loans and leases, which supports our members' financial goals across various sectors. Though our current net income is $0, this reflects our focus on serving you rather than maximizing profits. This approach empowers us to continue offering competitive loan rates and solid financial products for our members without compromising service quality. We pride ourselves on having a dedicated team of 505 full-time employees and 8 part-time employees, ensuring that our branches are always ready to serve you with knowledgeable support. With a total of 382,867 share accounts, we see the trust placed in us by our growing member base. 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 601 Williams Blvd Richland WA 99354 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've already issued over $814,959,077 in used vehicle loans and $330,825,195 in new vehicle loans to help members get on the road. Whether you're eyeing the latest model or a reliable pre-owned vehicle, our flexible financing options can make it happen.

Business Financing

For business owners, our outstanding commercial loans totaling $220,185,617 provide the capital needed to grow and expand your business. We understand that running a business comes with its own challenges and opportunities; our team is here to support you with tailored financing solutions.

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 and accessible. We are here to guide you through the process and ensure you find the right solution for your needs.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for new financing products, we encourage you to reach out. Our team will be happy to discuss how we can help streamline your financial commitments and potentially save you money. For more information about our loan offerings or to start your application today, feel free to contact us at 509-943-5676 or visit us at 601 Williams Blvd Richland WA 99354. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Our commitment is to empower our members with financial knowledge and tools that pave the way toward achieving their goals. Explore what Hapo Community can do for you today!

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 provide convenience and security for everyday purchases.

Loan Aggregator

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Real-Time Rate Comparisons

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Hapo Community