Hope Credit Union Memphis TN | Low Mortgage Rates & Business Banking

Introduction

At Hope Credit Union, we understand that financial well-being is at the heart of every community. Located at 2923 Ridgeway Rd, Memphis, TN 38115, our branch has been serving members since 1995. With a total membership of over 41,000 and assets exceeding $653 million, we're committed to providing reliable services that empower our members to achieve their financial goals. As a member-owned institution, we take pride in our strong community ties and focus on personalized service. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, we offer a range of products tailored to meet your needs. Our total deposits stand at $58,472,749, ensuring that your hard-earned money is safe and secure with us. Led by our dedicated CEO, William Bynum, and Board President, Carolyn Gill-Jefferson, our team of 246 employees is always ready to assist you. We believe in transparency and trust values that have helped us achieve a net worth of $151,213,078 and a robust cash reserve of $4,494,253. While you can visit us at our branch location for all your banking needs, official correspondence should be directed to the same address: 2923 Ridgeway Rd, Memphis, TN 38115. For inquiries or assistance, don't hesitate to call us at 901-358-4496. Join us today and discover how Hope Credit Union can help you build a brighter financial future. Visit our website at hopecu.org for more information on our services!

Branch History & Mission

A Commitment to Accessibility

As part of our dedication to serving all individuals, we ensure that our facilities are ADA compliant and welcoming for everyone. With features like drive-thru banking and ATM availability, we make it easier for members to access their funds when they need them most. Our operating hours Monday through Thursday from 9:00 AM to 4:30 PM, Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 1:00 PM are designed with your convenience in mind. While members can visit us at 2923 Ridgeway Rd Memphis Tn 38115, official correspondence should be sent to 2923 Ridgeway Rd, Memphis, TN 38115 if it differs from the branch address.

Join Us

We invite you to be part of the Hope Credit Union family! Experience firsthand how we can help you navigate your financial journey while contributing positively to our vibrant community. Reach out today at (901) 358-4496 or visit us online at Hope Credit Union for more information about becoming a member. Together, let's build a brighter future!

Our Mission

At the heart of Hope Credit Union is our mission: to deliver exceptional financial services while fostering community growth. We strive to break down barriers that prevent people from achieving their dreams. Through personalized banking solutions ranging from checking accounts and auto loans to mortgage refinancing and business loans we aim to meet the diverse needs of our members. We also prioritize community outreach by partnering with local organizations to support education and economic empowerment initiatives. Whether it's through financial literacy programs or collaborative events aimed at uplifting underserved communities, we believe in giving back and making a real impact.

Branch Location & Accessibility

Banking Hours and Services

Our operating hours are designed with your busy schedule in mind. Visit us Monday through Thursday from 9:00 AM to 4:30 PM, Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 1:00 PM. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or mortgage refinancing, we have you covered. Our ATM availability means you can easily withdraw cash or check balances whenever you need. Additionally, enjoy the convenience of our drive-thru service for quick deposits and withdrawals. If you're a member of partner credit unions, take advantage of our shared service center for basic transactions too!

Connect With Us

At Hope Credit Union, we're committed to serving our members with care and dedication. For any inquiries or assistance, feel free to call us at 901-358-4496. We invite you to visit us today and discover how we can help you achieve your financial goals!

Nearby Landmarks and Accessibility

You can find us near popular spots like the Shelby Farms Greenline and the Memphis Botanical Garden, making it easy to stop by while enjoying a day out. For your convenience, we offer ample parking and ADA-compliant features to ensure everyone can access our services without any hassle.

Member Eligibility

At Hope, we believe that everyone deserves a place where they can feel supported and valued. Joining our community is simple and welcoming! To become a member, you just need to meet some friendly eligibility criteria. While specific details can vary, generally, if you live, work, worship, or attend school in the Memphis area, you're likely eligible to join us. We take pride in offering benefits that include competitive rates on loans and savings accounts, personalized service, and a variety of financial products tailored to your needs. If you're ready to take the next step towards becoming a part of our family at Hope, the account opening process is straightforward and designed for your convenience. You can give us a call at (901) 358-4496 for assistance or visit our website for more information about the eligibility requirements at . We're excited to welcome you into our community at 2923 Ridgeway Rd, Memphis TN 38115!

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 That Make a Difference

Imagine running your business smoothly with reliable merchant services. At Hope, we offer tools that simplify payments, making it easier for you to focus on what matters most growing your business. From secure transactions to easy integration with your existing systems, our services help enhance customer satisfaction while boosting your bottom line. Whether you're located at 2923 Ridgeway Rd Memphis Tn 38115 in Memphis, TN, or anywhere else, let us partner with you to achieve your business goals. Reach out today at (901) 358-4496 to learn more about how we can support you!

Comprehensive List Of Services

Business Banking Support

For entrepreneurs and business owners, we offer essential services tailored to your needs. From merchant services that facilitate smooth transactions to various types of business loans, we're dedicated to helping your business thrive.

Convenient Access and Support

We understand that managing finances should be easy. That's why we provide a variety of ways for you to access your money. Our ATMs are available for quick cash withdrawals and balance checks whenever you need them. If you're in a rush, take advantage of our drive-thru banking, where basic transactions like deposits and withdrawals can be handled swiftly. Furthermore, if you're a member of a partner credit union, our shared branch transactions allow you to conduct deposits and withdrawals as if you were at your own branch.

Digital Banking Features

In today's fast-paced world, having digital banking features at your fingertips is vital. With options like mobile payments and person-to-person transfers, managing your finances has never been more straightforward. You can check balances, pay bills, and transfer funds from anywhere using our user-friendly app or online portal. Our team at Hope is always here to assist you with any questions or concerns you might have about our services. Feel free to reach out at 901-358-4496 during operating hours: Monday through Thursday from 9:00 AM to 4:30 PM, Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 1:00 PM.

Join Us Today!

Ready to experience all that Hope has to offer? Whether you're looking for personal banking solutions or business support, we invite you to visit us or explore our website at hopecu.org. Join us today and let us help you achieve your financial goals!

Personal Banking Solutions

Navigating your personal finances can be challenging, but at Hope, we make it easier. We offer checking and savings accounts that fit your lifestyle. Imagine having access to your funds anytime through our convenient online and mobile banking services. Need a little extra cash? Our auto loans and vehicle financing options help you get behind the wheel without breaking the bank. We also provide competitive rates on mortgage loans and refinancing, making homeownership more achievable than ever. If life throws unexpected expenses your way, our personal loans and debt consolidation options are designed to help you regain control. Plus, with our credit cards featuring rewards, you can earn while you spend!

Digital & Online Banking

Key Features

Our online banking system is available 24/7, allowing you to check your balances, pay bills, and transfer money whenever it suits you. For those who prefer using their smartphones, our mobile application offers all the features of online banking right in your pocket. Plus, with electronic signature authorization available, signing documents has never been simpler or more secure. We know how important it is to keep track of your finances, so we provide e-statements that allow you to view your account statements digitally instead of waiting for them in the mail. This not only saves paper but also ensures that you have immediate access to important financial information. And if you ever need to send money to friends or family, our person-to-person transfer service makes it fast and straightforward.

Security You Can Trust

Security is at the heart of everything we do. Our digital banking services incorporate advanced security measures to protect your personal information and ensure that your transactions are safe. You can feel confident knowing that your data is secure while enjoying the flexibility of managing your accounts from home or on the go. Whether you're looking to make everyday transactions or keep an eye on your savings goals, Hope's digital banking solutions are here to help you every step of the way. Experience the ease and accessibility of modern banking by visiting us online today!

Financial Strength

At Hope, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that the strength of our financial position directly impacts your peace of mind and ability to achieve your goals. That's why we're proud to share key insights into our robust financial health, sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. 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. Our commitment to innovation is backed by $6,585,723 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. 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. Our operational efficiency is reflected in our $195,806, 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 who are dedicated to serving you with knowledge and care. Net Shares (Funds available for lending and investments): $14,334,424. Total Share and Deposit Accounts: 52,499, showing a strong and growing member base that trusts us with their finances. 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 2923 Ridgeway Rd Memphis Tn 38115 or call (901) 358-4496 to learn more about how we can help you achieve your financial goals.

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 eyeing a brand-new model or a reliable used vehicle, we have financing options that suit various budgets and preferences.

Business Loans

For business owners, our outstanding commercial loans totaling $116,685,129 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in your existing business, our team is ready to assist you every step of the way.

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 aim to provide straightforward terms so you can focus more on your new home rather than the complexities of financing.

Refinancing Options

If you're considering refinancing any existing loans, we offer competitive rates and personalized assistance to help you explore eligibility options. Refinancing can often lower your monthly payments or reduce your overall interest costs. At Hope, we believe that achieving your financial aspirations should be within reach. Our dedicated team is here to guide you through every aspect of your loan process. Contact us today at (901) 358-4496 for more information or visit us during our operating hours: Mon-Thur 9:00 AM - 4:30 PM, Fri 9:00 AM - 5:00 PM, and Sat 9:00 AM - 1:00 PM. 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's work together towards your financial success!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $730,537 in loans helping members manage their finances effectively. Our credit cards are designed to be user-friendly, giving you access to funds when you need them most while offering rewards for your everyday purchases.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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