Hope Credit Union Jackson MS | Best Auto Loans & Business Banking

Introduction

Welcome to Hope, your trusted credit union located at 1748 University Blvd, Jackson, MS 39204. Since our establishment in 1995, we have proudly served over 41,000 members, providing a wide range of financial services tailored to meet your needs. With total assets amounting to an impressive $653,829,372 and total deposits of $58,472,749, we stand as a pillar of financial strength and reliability in our community. At Hope, we understand that banking is more than just transactions; it's about building relationships and supporting each other. Our dedicated team of 246 employees works tirelessly to ensure that you receive the best service possible. Under the leadership of our CEO, William Bynum, and Board President, Carolyn Gill-Jefferson, we strive to make a positive impact in the lives of our members. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. Our community-focused approach means that we are not just here to help you manage your money but also to empower you on your financial journey. While members can visit us at 1748 University Blvd, official correspondence should be sent to our mailing address: 1748 University Blvd, Jackson, MS 39205. We invite you to explore our website at hopecu.org for more information about our services and how we can assist you. For any inquiries or assistance, feel free to reach out to us at 601-961-6740. We look forward to helping you achieve your financial goals!

Branch History & Mission

Community Engagement

Hope is not just a credit union; it's a community partner. We regularly engage with local organizations to support initiatives that uplift individuals and families. Our shared service center further enhances accessibility by allowing members from partner credit unions to benefit from our resources as well. With operating hours designed to accommodate busy schedules Monday through Thursday from 8:30 AM to 4:30 PM and Friday from 9:00 AM to 5:30 PM we ensure that help is always within reach. Plus, with ATM availability and drive-thru services, accessing your funds has never been easier.

Join Us

We invite you to experience the difference at Hope. Whether you're looking for personal banking solutions or seeking guidance on business financing, our dedicated team is here for you every step of the way. Join us today and become part of a community that values your dreams as much as you do! For more information or assistance, feel free to call us at 601-961-6740 or visit our website at https://www.hopecu.org . Let's build a brighter financial future together!

Our Journey

Since opening our doors nearly three decades ago, Hope has prioritized not just financial services but also community engagement. From our early days, we recognized that banking isn't just about transactions; it's about building relationships and enhancing lives. Over the years, we've expanded our offerings to include personal banking services like checking and savings accounts, auto loans, mortgage loans, and business banking solutions. Each service reflects our dedication to empowering members financially while fostering a sense of belonging. Our branch address at 1748 University Blvd is conveniently located near local landmarks that make us easily accessible for our community. While members can visit us here for all their banking needs, official correspondence should be sent to our mailing address: 1748 University Blvd, Jackson, MS 39205.

Our Mission

At the heart of Hope's mission is a simple yet profound goal: to provide exceptional financial services while supporting the community we serve. We strive to offer products that are not only competitive but also tailored to meet the unique needs of each member. Our commitment extends beyond banking; we actively participate in community outreach efforts and partnerships aimed at making a positive impact in Jackson and beyond. We believe that everyone deserves access to quality financial resources. That's why we've embraced digital advancements such as online banking and mobile payments, ensuring that all members can manage their finances conveniently and securely. We are proud to be ADA compliant, making our services accessible for everyone.

Branch Location & Accessibility

Convenient Access and Parking

At our Jackson location, parking is readily available, ensuring a hassle-free visit. The branch is ADA compliant and features accessible ramps for those with mobility challenges. Whether you're stopping by for a quick transaction or need assistance with your accounts, our friendly staff is here to help.

Drive-Thru and Shared Services

For added flexibility, we offer drive-thru banking where you can complete simple transactions like deposits and withdrawals without leaving your vehicle. Plus, as a shared service center, we provide basic transactions for members of partner credit unions, making it even easier for everyone in our community to access their funds. While members can visit us at 1748 University Blvd, official correspondence should be sent to our mailing address at 1748 University Blvd, Jackson, MS 39205. If you have any questions or need assistance, feel free to give us a call at 601-961-6740. We look forward to serving you at Hope Credit Union! Come by today and see how we can help meet your financial needs.

Operating Hours That Fit Your Schedule

We understand that life can be busy. That's why our operating hours are designed to fit your schedule! You can visit us Monday through Thursday from 8:30 AM to 4:30 PM and on Fridays from 9:00 AM to 5:30 PM. If you're in need of ATM services, we have one available on-site for your convenience.

Member Eligibility

Joining the Hope community is more than just opening an account; it's about becoming part of a supportive family that cares for your financial well-being. If you're looking to become a member at Hope, you'll be pleased to know that eligibility is designed to be inclusive and welcoming. Generally, anyone who lives, works, worships, or attends school in the Jackson area can apply for membership. We believe in making banking accessible for everyone, so don't hesitate to reach out if you have any questions! To start your journey with us, visit our branch located at 1748 University Blvd Jackson Ms 39204 or give us a call at (601) 961-6740. You can also check out our website for detailed eligibility criteria and account opening information at . We can't wait to welcome you into the Hope family and help you achieve your financial goals!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $129 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $62 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $116,685,129, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services are designed to simplify your payment processing needs. Imagine effortlessly accepting payments from customers using various methods whether it's credit cards, mobile wallets, or online transactions. This flexibility not only enhances customer satisfaction but also helps streamline your cash flow. Located at 1748 University Blvd Jackson Ms 39204 in Jackson, MS, we're here to help you navigate the financial landscape of your business. If you have questions or want to learn more about how our services can support your goals, don't hesitate to reach out at (601) 961-6740. Together, let's build a prosperous future for your business!

Comprehensive List Of Services

Additional Services

We also provide basic drive-thru banking for quick transactions like deposits and withdrawals when you're short on time. For members of partner credit unions, basic shared branch transactions are available as well. At Hope, we strive for excellence in service delivery while ensuring accessibility for all our members in Jackson, MS. If you have any questions or need assistance with any of our services, don't hesitate to reach out at 601-961-6740. Ready to take the next step? Visit us today at 1748 University Blvd or check out more details on our website: Hope Credit Union. We look forward to helping you achieve all your financial goals!

Business Banking

If you're a business owner, Hope also offers business banking services, including merchant services and business loans. We believe in supporting local businesses because they are the backbone of our community. Let us help fuel your business growth with financing options tailored just for you.

Credit Options

For those unexpected expenses or planned projects, our personal loans and debt consolidation services can help ease financial stress. By consolidating your debts into one manageable payment, you can simplify your finances and focus on what truly matters. And don't forget about our credit cards with rewards! You can earn points on everyday purchases that can lead to exciting rewards all while building your credit score.

Digital Convenience

In today's fast-paced world, we know how important it is to have access to banking services right at your fingertips. Our online and mobile banking features allow you to manage your accounts anytime, anywhere. From checking balances to making transfers or paying bills, everything is just a click away. Plus, with our convenient ATM services, cash withdrawals are hassle-free.

Home Financing Solutions

Purchasing a home is one of life's biggest decisions. That's why we offer mortgage loans and refinancing solutions designed to fit your lifestyle and budget. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is ready to guide you through each step of the process.

Personal Banking

Managing your personal finances can be straightforward and rewarding with our checking and savings accounts. We understand that everyone has different needs, which is why we offer various options to help you save for your future or manage your daily expenses effectively. Imagine having easy access to your money whenever you need it, all while earning interest on your savings. When it comes time for that new car, our auto loans and vehicle financing options make it easier than ever to hit the road without breaking the bank. Picture yourself driving off in a reliable vehicle, knowing you secured an affordable loan with us.

Digital & Online Banking

Key Features

Need to send money to a friend? With our person-to-person transfer feature, it's as easy as a few taps on your phone. Plus, if you're always on the move, our mobile application makes banking even more convenient. You can manage your accounts directly from your smartphone while enjoying all the functionalities you need right at your fingertips. For those who prefer going paperless, we offer e-statements that allow you to view your financial information securely online no more waiting for statements in the mail! And with electronic signature authorization, signing documents is quick and hassle-free.

Security and Convenience

Your security is our top priority. Our digital banking services come equipped with robust security features to keep your personal information safe while providing you with peace of mind. You can also take advantage of mobile payments, allowing you to make transactions swiftly and securely using just your phone. At Hope, we believe that managing your finances should be straightforward and efficient. Explore all the ways we can help simplify your banking experience today!

Financial Strength

Efficiency and Workforce

Our $195,806 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 215 full-time employees and 31 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Membership Base

Total Share and Deposit Accounts stand at 52,499, showing a strong and growing member base that trusts us with their finances. Additionally, Net Shares available for lending and investments amount to $14,334,424, further underlining our commitment to supporting your financial aspirations. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Hope is your trusted partner. Visit us at 1748 University Blvd Jackson Ms 39204 or call (601) 961-6740 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $137,602,792 in share certificates and $71,443,208 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $28,503,654, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Growth

With $6,585,723 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is also impressive; we have $1,148 in used auto loans and $393,646,582 in total loans and leases, supporting members' financial goals across various sectors.

Solid Foundation

With a net worth of $151,213,078, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,313 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 $19,433,507 in used vehicle loans and $5,153,585 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used car, we have options that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $116,685,129 provide the capital needed to grow and expand. We understand that running a business comes with unique challenges and opportunities. Let us help you fuel your ambitions with the right financial solutions. If you're considering refinancing any existing loans or would like to learn more about eligibility options for our products, please don't hesitate to ask our knowledgeable staff during your visit or call us directly. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Hope, we're committed to providing you with clear information and exceptional service as you navigate your borrowing needs. Come see how we can help today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $2,183,910. This means you can secure the funding you need for your dream home without hassle.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $730,537 in loans helping members navigate their finances effectively. With competitive rates and easy payment plans, our credit cards are here to support your spending needs.

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HOPE FEDERAL CREDIT UNION