Hope Credit Union Moorhead MS | Affordable Auto Loans & Business Banking

Introduction

Welcome to Hope Credit Union in Moorhead, where our commitment to serving our community shines bright! Located at 917 W Delta Ave, Moorhead, MS 38761, we have been a trusted financial partner since our establishment in 1995. With over 41,000 members and total assets exceeding $653 million, we pride ourselves on providing personalized banking solutions tailored to your needs. At Hope Credit Union, we understand that every member's financial journey is unique. Whether you are looking for personal banking services like checking and savings accounts, or seeking assistance with auto loans, mortgages, or credit cards with rewards, we're here for you. Our dedicated team of 246 employees is ready to support you with a wide range of services designed to help you achieve your financial goals. Our strong financial foundation reflects our dedication to the community. With total deposits of $58,472,749 and a net worth of $151,213,078, you can trust that your money is safe with us. We also maintain a healthy cash reserve of $4,494,253, ensuring liquidity and stability for all our members. Under the leadership of CEO William Bynum and Board President Carolyn Gill-Jefferson, Hope Credit Union continues to thrive as a cooperative institution focused on empowering individuals through education and resources. Together, they foster an environment where each member feels valued and supported. While members can visit us at our physical branch for everyday banking needs or consultations about loans feel free to reach out via phone at 662-246-8855. We also offer online banking services through our website https://hopecu.org , making it easier than ever to manage your finances from the comfort of home. Join us today at Hope Credit Union and experience the difference that community-focused banking can make in your life!

Branch History & Mission

A Vision for the Future

Looking ahead, we aim to continue enhancing our digital capabilities while ensuring that every member receives personalized attention. Our goal is not just about growing numbers but about building trust and fostering relationships that matter. With a dedicated team led by CEO William Bynum and an engaged board under President Carolyn Gill-Jefferson, we are focused on creating an inclusive environment where everyone feels valued. We invite you to join us at Hope! Experience firsthand how we can support your financial journey while making a difference in our community together. Visit us today or call us at (662) 246-8855 for more information on how you can become part of something special.

Our Commitment to Community

The spirit of community is woven into everything we do at Hope. We believe that supporting local initiatives is vital for the growth and development of Moorhead. Through partnerships with local organizations and outreach programs, we strive to make a positive impact on the lives of those around us. Whether it's sponsoring educational events or assisting families in need, our commitment remains strong. While members can visit us at 917 W Delta Ave Moorhead Ms 38761, official correspondence should be sent to 917 West Delta Ave, Moorhead, MS 38761 if different from the branch address. Additionally, we are proud to offer modern conveniences such as online banking, mobile payments, and ATM access for easy account management. Our drive-thru service allows for quick transactions without leaving your vehicle.

Branch Location & Accessibility

Convenient Access and Features

At Hope, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, ensuring everyone can easily navigate our space. Parking is available right outside, so you can quickly hop in and out for your banking needs without hassle. For those on the go, we offer drive-thru banking services, allowing you to complete simple transactions like deposits and withdrawals without leaving your vehicle. And if you need cash or want to check your balance, our ATM is available for your convenience.

Get in Touch!

While you're welcome to visit us at 917 W Delta Ave Moorhead Ms 38761, official correspondence should be sent to 917 West Delta Ave, Moorhead, MS 38761. If you have any questions or need assistance, don't hesitate to call us at (662) 246-8855. We look forward to welcoming you into our community at Hope where your financial journey matters!

Operating Hours

We understand that life can be busy! That's why our operating hours are designed to fit your schedule. Visit us Monday through Thursday from 9 AM to 1 PM and 2 PM to 4 PM, or join us on Fridays when we're open until 5 PM. Whether you need personal banking services or assistance with auto loans, mortgage options, or business banking solutions, our team is here to help.

Member Eligibility

At Hope, we believe that everyone deserves a chance to be part of a supportive community. Becoming a member is simple and welcoming, as we open our doors to those who live, work, or worship in the area, as well as their family members. This means that if you're connected to our vibrant community here at 917 W Delta Ave Moorhead Ms 38761, you're likely eligible to join us! Membership comes with fantastic benefits like competitive rates on loans and savings accounts, personalized service, and access to financial education resources tailored just for you. To find out all the details about eligibility, feel free to check out our website at . If you're ready to take the next step in your financial journey, you can easily open an account by calling us at (662) 246-8855 or visiting us during our operating hours. We look forward to welcoming you into the Hope family!

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, we provide essential merchant services that make transactions smoother for your business. Whether you're processing payments at a retail location or managing online sales, our merchant solutions help you keep your cash flow steady. Picture this: accepting payments from customers quickly and securely, allowing you to focus on what matters most growing your business. For more information on how we can support your business needs, visit us at 917 W Delta Ave Moorhead Ms 38761 in Moorhead, MS, or call us at (662) 246-8855. Let's work together to achieve your goals!

Comprehensive List Of Services

Business Banking

For our business members, we offer specialized services such as merchant services and business loans. These resources are crafted to support local businesses in their growth and operations, making banking simple so you can concentrate on running your business smoothly.

Community-Focused Services

We take pride in being part of the community and offer basic shared branch transactions for partner credit union members as well. This means more accessibility for everyone in the area! Whether it's through online platforms or at our physical location, we strive to ensure that all members feel valued and supported in their financial journeys. If you have questions about any of these services or would like personalized assistance, please don't hesitate to call us at (662) 246-8855. We look forward to serving you at Moorhead!

Credit Solutions

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. We provide solutions that can help ease financial burdens, allowing you to focus on what truly matters. Additionally, check out our credit cards with rewards, which offer benefits that can enhance your spending power while earning rewards on everyday purchases.

Digital Banking Features

In today's fast-paced world, convenience is key. At Hope, we have embraced technology with our online and mobile banking services. Access your accounts anytime, anywhere with just a few taps on your smartphone or clicks on your computer. You can transfer funds, pay bills, and even manage person-to-person payments seamlessly. Our ATM and cash withdrawal services further add to this convenience, offering easy access to cash when you need it most. For those who prefer face-to-face transactions, our drive-thru banking allows for quick deposits and withdrawals without leaving your car.

Home Financing

Looking to buy a home or refinance an existing mortgage? Our mortgage loans and refinancing services allow you to explore various options tailored to your situation. We work closely with you to ensure that you find the best fit for your home financing needs.

Personal Banking

We offer a variety of personal banking options including checking and savings accounts designed to fit different lifestyles. Whether you're saving for a special occasion or managing daily expenses, our accounts come with features that help you keep track of your finances effortlessly. In addition, if you're considering purchasing a vehicle, our auto loans and vehicle financing options are here to assist you every step of the way. We provide competitive rates and flexible terms that can fit within your budget, making it easier than ever to get behind the wheel of your dream car.

Digital & Online Banking

Key Services

Our online banking service at https://www.hopecu.org/ allows you to check balances, transfer funds, and pay bills with just a few clicks. Whether you're at home or on the go, our 24/7 online banking ensures you have access to your accounts whenever you need it. Plus, with e-statements available, you can keep track of your transactions in a secure and environmentally friendly way. If you're looking for convenience, our mobile application is here to help. Available for download on most devices, it allows you to manage your accounts right from your smartphone. You can even make person-to-person transfers effortlessly send money to friends or family without the hassle of cash or checks.

Security and Ease-of-Use

Security is a top priority for us. That's why we offer electronic signature authorization for added protection when handling important documents. With features like mobile payments, you can shop securely without carrying cash or cards. Our platform is designed with ease of use in mind, making it simple for everyone to navigate their financial needs. At Hope, we strive to provide not just services but solutions that empower our members. Experience the freedom of real-time account management and enjoy peace of mind knowing your finances are safe and accessible at all times. Join us today and discover how our digital banking services can enhance your financial journey!

Financial Strength

A Dedicated Team

Our $195,806 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also 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.

A 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.

Growing Together

Total Share Accounts stand at 52,499, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $14,334,424. 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 917 W Delta Ave Moorhead Ms 38761 or call (662) 246-8855 to learn more about how we can help you achieve your financial goals.

Reinvesting in Your Future

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 commitment to lending is reflected in our portfolio: with $1,148 in used auto loans and $393,646,582 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Secure Savings Options

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.

Loan Offering

Additional Options

If you're considering refinancing or need more information about eligibility options for any of our loan products, feel free to contact us. Our knowledgeable staff is here to assist you in finding the best financial solutions tailored to your needs. 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 in Moorhead, MS, we're dedicated to empowering our members through reliable financial services and support. Visit us today or check out our website at https://www.hopecu.org for more information!

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. We provide competitive financing for both new and used vehicles, ensuring that you can drive away with a deal that fits your budget.

Commercial Loans

For business owners looking for growth opportunities, our outstanding commercial loans totaling $116,685,129 provide the capital needed to expand your business ventures. We are committed to supporting local businesses and helping them thrive in our community.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,183,910, make buying or refinancing simple. We understand the importance of finding a home and are here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing daily expenses is easier with our flexible terms on unsecured credit card loans. With a total of $730,537 in loans helping members manage their finances effectively, our credit cards come with rewards that fit your lifestyle.

Loan Aggregator

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HOPE FEDERAL CREDIT UNION - Moorhead, MS