Hope Credit Union Utica MS | Affordable Vehicle Loans & Checking

Introduction

Welcome to Hope Credit Union, your trusted financial partner right here in the heart of Utica, MS. Located at 106 E Main St, our branch has been serving the community since 1995, and we're proud to have grown alongside you. With a strong commitment to our members, we currently support over 41,000 individuals and families, helping them achieve their financial goals through tailored services. At Hope, we understand the importance of reliable banking. That's why we've built a solid foundation with total assets reaching an impressive $653,829,372 and total deposits amounting to $58,472,749. Our dedicated team of 246 employees is here to assist you with everything from personal banking and auto loans to business financing solutions. We're not just about numbers; we're about people your trust fuels our mission. Our leadership team, led by CEO William Bynum and Board President Carolyn Gill-Jefferson, is deeply invested in enhancing your experience. We prioritize your financial well-being by providing a variety of services including checking accounts, savings options, mortgage loans, credit cards with rewards, and more. While you can visit us at our branch for personalized service, please note that official correspondence should be sent to PO BOX 200, Utica, MS 39175. If you're looking for a credit union that truly cares about its members and their communities, look no further than Hope Credit Union. Give us a call at 601-991-3336 or explore our website at hopecu.org to learn more about how we can help you thrive financially!

Branch History & Mission

Community Impact

Hope is more than just a credit union; we are an integral part of the Utica community. We actively seek partnerships with local organizations and participate in initiatives aimed at supporting education and economic development. Our goal is not just financial growth but also creating lasting positive change within our neighborhoods. Join us at Hope Credit Union today! Experience personalized service and discover how we can help you achieve your financial goals while being a part of something bigger your community. For inquiries or assistance, feel free to call us at 601-991-3336 or visit our website at hopecu.org. Together, let's build a brighter future!

Mission Statement

At Hope, our mission is simple: to enhance the financial well-being of our members while actively contributing to the betterment of our community. We believe that everyone deserves access to reliable financial services and support. Our team works tirelessly not only to offer competitive rates and products but also to engage in outreach efforts that uplift those around us. We understand the importance of being accessible and accommodating. Our branch offers ATM availability for quick cash withdrawals and basic transactions. While we do not have drive-thru banking at this location, our shared service center ensures that members can complete essential banking tasks efficiently. For any official correspondence, please note that it should be sent to PO BOX 200, Utica, MS 39175. Our operating hours are Monday through Friday from 9:00 AM to 4:30 PM, making it easy for you to visit us when it suits you best.

Our Journey

The story of Hope began with a vision to create a financial institution that prioritizes people over profits. Over the years, we have grown and adapted to meet the evolving needs of our community. From humble beginnings, we have expanded our offerings to include personal banking solutions like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. Our commitment to growth is evident in our continuous focus on innovation and technology. We are proud to provide online and mobile banking options that make managing your finances easier than ever. Whether you need to check your balance or make payments on-the-go, our digital platforms are designed with you in mind.

Branch Location & Accessibility

Welcome to the Hope Credit Union branch located at 106 E Main St, Utica, MS 39175! Our branch is nestled right in the heart of Utica, making it easy for you to access our services. Whether you're heading to the nearby Utica Community Center or just passing through, stopping by is simple and convenient. At Hope Credit Union, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and spacious parking options. You can easily find a spot when you visit us, ensuring that your banking experience is smooth from start to finish. We're here to serve you Monday through Friday from 9:00 AM to 4:30 PM. With these hours, you can take care of your banking needs during your busy week. While you're here, feel free to utilize our ATM services available on-site for quick cash withdrawals or balance checks. In addition to traditional banking services like checking and savings accounts, we also offer auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. We even provide basic shared branch transactions for partner credit union members! If you're unable to visit us in person but still want to connect, give us a call at 601-991-3336. Our friendly team is always ready to assist you with any questions or concerns. While members can visit us at 106 E Main St for all their banking needs, please note that official correspondence should be sent to PO BOX 200, Utica, MS 39175. We invite you to come by and experience the community-focused service at Hope Credit Union. Your financial well-being is our priority!

Member Eligibility

Becoming a member of Hope is like joining a caring family that prioritizes your financial well-being. If you're looking to enjoy personalized service and a variety of financial products, you're in the right place! To become a member, you typically need to be part of our community, whether through living, working, worshiping, or attending school in the area. It's all about connection and belonging. For more specific details on eligibility, feel free to check out our website at . Once you see how easy it is to join us at Hope, you'll want to start the process right away! Opening an account is straightforward, and our friendly team is here to guide you every step of the way. You can give us a call at (601) 991-3336 if you have any questions or need assistance. We're located at 106 E Main St Utica Ms 39175, ready to welcome you with open arms into our supportive community!

Business Banking & Commercial Services

Merchant Services Made Easy

Imagine running your business without worrying about payment processing. Our merchant services provide seamless solutions that make transactions easy for you and your customers. From accepting card payments to managing payroll efficiently, we ensure you have the tools needed to focus on what you do best growing your business. Located at 106 E Main St Utica Ms 39175, Utica, MS, we're here to empower local entrepreneurs with financial products tailored to their needs. Reach out at (601) 991-3336 or visit us today to discover how we can help you thrive!

Tailored Loan Solutions

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.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Accessing cash has never been easier with our ATM services available at various locations. You can withdraw cash, check balances, and more without any hassle.

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options can help make that dream a reality. We offer competitive rates and flexible terms so that you can drive away in the vehicle you want without stretching your budget. Plus, with our straightforward application process, you won't have to wait long to find out if you're approved.

Business Banking

For our business members, we offer essential services like merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we are here to support your business journey every step of the way.

Credit Cards with Rewards

Our credit cards come packed with rewards that let you earn points for everyday purchases. Use them wisely for groceries or gas, and watch those points add up toward exciting rewards!

Mortgage Loans & Refinancing

Whether you're buying your first home or looking to refinance an existing mortgage, we offer personalized mortgage solutions that fit your financial situation. Our team will work with you to explore various options and ensure you get the best possible rate.

Personal Banking

We understand that managing your finances can sometimes feel overwhelming. That's why our personal banking services include checking and savings accounts tailored for every lifestyle. Imagine having easy access to your funds whenever you need them through our online and mobile banking platforms. With just a few taps on your smartphone, you can check your balance, transfer money, or even pay bills without leaving home.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the relief you need. With manageable repayment plans, we aim to help you regain control over your finances without added stress.

Shared Branch Transactions

As part of our commitment to community banking, we also offer shared branch transactions for members of partner credit unions. This means deposits and withdrawals can be made conveniently at various locations across the country. If you're interested in any of these services or want more information about how we can assist you financially, don't hesitate to reach out! Contact us at (601) 991-3336 or visit us at 106 E Main St Utica Ms 39175 in Utica, MS. We look forward to serving you!

Digital & Online Banking

Accessibility and Ease-of-Use

Our goal is to make banking accessible for everyone. Whether you're tech-savvy or just getting started with online banking, you'll find our services user-friendly and intuitive. Real-time account management means you can stay on top of your finances without any hassle. With Hope, you'll have everything you need right at your fingertips. Experience the convenience of digital banking today!

Key Features

We prioritize security in everything we do. You can bank with peace of mind knowing that our electronic signature authorization makes signing documents quick and secure. Plus, if you prefer to keep things paperless, our e-statements are readily available for easy viewing. Managing your money has never been easier with our mobile application. Not only does it allow for on-the-go banking, but it also supports mobile payments so you can make purchases directly from your phone. And if you need to send money to friends or family, our person-to-person transfer feature makes it simple and fast.

Financial Strength

A Growing Member Base

Total Share and Deposit Accounts: 52,499, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $14,334,424, further highlighting 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 106 E Main St Utica Ms 39175 or call (601) 991-3336 to learn more about how we can help you achieve your financial goals.

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

Comprehensive Lending Solutions

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. 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.

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.

Strong Financial Health

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

Additional Options

In addition to these core offerings, we have various refinancing options available to help you lower your monthly payments or access cash from your equity. If you're unsure about eligibility or want to explore what might be right for you, our team is ready to assist. 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 dedicated to empowering our members with financial tools that foster growth and stability. Whether it's securing an auto loan, mortgage, or credit card loan, we're here every step of the way!

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 new ride or a reliable used car, we can guide you through the process.

Business Loans

For business owners, our outstanding commercial loans totaling $116,685,129 provide the capital needed to grow and expand your operations. We understand the challenges businesses face and are committed to providing solutions that cater to your specific needs.

Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $730,537 in loans helping members manage their finances effectively. This option is perfect for those looking to consolidate debt or cover unexpected expenses without the burden of collateral.

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 offer competitive rates and flexible terms that can accommodate your unique situation, ensuring that owning your dream home is within reach.

Loan Aggregator

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Call to Action

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Ensuring Accurate Loan Comparisons

LendMesh guarantees accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to compliance ensures that all loan offers are fair and transparent, giving users peace of mind when making financial decisions.

HOPE FEDERAL CREDIT UNION - Utica, MS