Hope Credit Union Memphis TN | Top Auto Loans & Business Banking

Introduction

Welcome to Hope Credit Union, your trusted financial partner located at 3048 Harvester Ln E, Memphis, TN 38127. Since our establishment in 1995, we have proudly served over 41,000 members, offering a wide range of financial services tailored to meet your needs. With total assets of $653,829,372 and deposits amounting to $58,472,749, we are committed to providing reliable support as you work towards your financial goals. At Hope Credit Union, we believe that everyone deserves access to quality banking services. Our team, led by CEO William Bynum and Board President Carolyn Gill-Jefferson, is dedicated to fostering a welcoming environment where you can feel confident in managing your finances. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we have the expertise to guide you every step of the way. We also understand that communication is key. While you can visit us at our branch location for in-person assistance, please note that official correspondence should be directed to our mailing address at 3048 Harvester Lane E, Memphis, TN 38127. With a robust loan portfolio of 8,957 loans and a net worth of $151,213,078, we take pride in our ability to support not just individual members but also local businesses through tailored lending solutions. Our commitment goes beyond just numbers; it's about making a positive impact in our community. If you have any questions or need assistance, feel free to reach out to us at (901) 358-4496 or visit our website at Hope Credit Union. We invite you to stop by and discover how we can help you achieve your financial dreams!

Branch History & Mission

Our Mission

Our mission is simple yet profound: we strive to improve the lives of our members by providing them with the resources they need to achieve their financial goals. We are committed to fostering a sense of community through outreach programs and partnerships that support local initiatives. Our team works tirelessly to ensure that every member feels valued and understood. We have embraced digital advancements as part of our commitment to customer service. With features like online banking, mobile payments, e-statements, and person-to-person transfers, managing your finances has never been easier or more secure. While our branch is located at 3048 Harvester Ln E, official correspondence should be sent to the same address as our mailing address: 3048 Harvester Lane E, Memphis, TN 38127. If you ever have questions or need assistance, don't hesitate to reach out at 901-358-4496 during our operating hours: Monday through Thursday from 9:00 AM to 4:30 PM and Friday from 9:00 AM to 5:00 PM. As we look ahead, we invite you to join us on this incredible journey. Experience firsthand how being part of Hope can benefit you not just as a member but as a valued member of our community. Together, let's build a brighter financial future!

Branch Location & Accessibility

Easy Access and Parking

We prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps to ensure everyone can easily access our services. Plus, you'll find ample parking space available right outside the door, making your visit hassle-free.

Operating Hours and Services

At Hope Credit Union, we understand that your time is valuable. That's why we're open Monday through Thursday from 9:00 AM to 4:30 PM and Friday until 5:00 PM. Whether you're looking to set up a checking account or need assistance with an auto loan, our friendly team is here to help. We offer a range of services including personal banking, mortgage loans, and business banking solutions. For those who prefer a quick transaction, our drive-thru service is available for deposits and withdrawals. And if you ever need cash on the go, we also have an ATM conveniently located at our branch.

Shared Services for Members

As part of our commitment to serve you better, we offer shared services for partner credit union members as well. This means you can access basic transactions like deposits and withdrawals even if you're a member of another participating credit union. Whether you're visiting us for everyday banking or exploring more complex financial services, Hope Credit Union is here to support you every step of the way. If you have any questions or want to learn more about how we can assist you, don't hesitate to give us a call at 901-358-4496 or drop by during our operating hours. We look forward to seeing you soon!

Member Eligibility

At Hope, we believe that becoming a member is like joining a welcoming family where your financial well-being comes first. If you're looking to join us at our Memphis location, located at 3048 Harvester Ln E Memphis Tn 38127, you'll be pleased to know that the eligibility criteria are designed to be accessible and straightforward. We welcome individuals who live, work, worship, or attend school in our community. This means that if you're connected to the area in any of these ways, you likely qualify for membership! To explore all the details about eligibility and ensure you meet the criteria, feel free to check out more information at . Joining is just a few steps away! Once you confirm your eligibility, opening an account with us is simple and convenient. You can easily start the process by reaching out to us at (901) 358-4496 or visiting our branch. We're here to assist you every step of the way, making it easy for you to access our range of services and benefits tailored for our members. Welcome aboard we can't wait to support your financial journey!

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

Beyond loans, we offer essential merchant services designed for everyday operations. Imagine a bustling café seamlessly processing customer payments or a retail store effortlessly managing transactions. Our merchant services make it easy for businesses to accept various payment methods, ensuring smooth sales and happier customers. Whether you're just starting out or looking to expand your established business, Hope at 3048 Harvester Ln E Memphis Tn 38127 in Memphis, TN is here to help you every step of the way. Let's build your success story together! For more information, give us a call at (901) 358-4496 or visit our website at Hope.

Comprehensive List Of Services

ATM & Drive-Thru Services

Our branch features an ATM for easy cash withdrawals and balance checks whenever you need them. Plus, we have basic drive-thru banking available for quick deposits and withdrawals without leaving your car perfect for busy schedules!

Business Banking Services

For entrepreneurs and small business owners, business banking at Hope offers essential services such as merchant services and business loans. We support local businesses by providing customized solutions that help them thrive in today's market.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. You can manage your accounts from anywhere using our user-friendly app or website. Need to check balances? Transfer funds? Make payments? It's all just a few taps away.

Credit Cards and Rewards

Looking for rewards on your everyday purchases? Our credit cards with rewards allow you to earn points on every dollar spent. Use these points for travel, merchandise, or cashback it's like getting paid for spending!

Personal Banking Solutions

We understand that everyone has different financial goals, which is why our personal banking options include checking and savings accounts designed to fit various lifestyles. Whether you are saving for a vacation, a new car, or just building an emergency fund, our accounts provide the flexibility you need. For those looking to purchase a vehicle, auto loans and vehicle financing are available with competitive rates. We guide you through the process, making it straightforward to get behind the wheel of your dream car. Additionally, if you're considering buying a home or refinancing your current mortgage, our mortgage loans come with personalized service to help you find the best option for your situation. If life throws unexpected expenses your way, our personal loans and debt consolidation services can help ease financial stress. With flexible repayment terms, you can tackle those costs head-on without feeling overwhelmed.

Shared Branch Transactions

If you're a member of another credit union in our network, you can also benefit from basic shared branch transactions right here at Hope. This means that you can deposit or withdraw funds easily while enjoying the friendly service we pride ourselves on. At Hope, we're dedicated to being more than just a bank; we aim to be your trusted financial partner in Memphis. For any questions about our services or how we can assist you further, don't hesitate to reach out! Call us at 901-358-4496 or visit us at our branch on Harvester Lane. Take control of your financial future today with Hope!

Digital & Online Banking

Key Features

Our online banking platform offers the convenience of electronic signature authorization, so you can complete transactions quickly without any hassle. Plus, with e-statements available, you can go paperless and keep track of your finances in an eco-friendly way. For those on the go, our mobile application makes banking even easier. You can manage your accounts right from your smartphone, including making mobile payments and sending money through person-to-person transfers. This means you can handle your financial needs directly from your pocket!

Security and Accessibility

We prioritize your security. Our online services are equipped with robust safety features to protect your information while giving you peace of mind. And don't worry if you're not tech-savvy; our user-friendly interface ensures that everyone can navigate their accounts easily. In today's fast-paced world, having real-time access to your finances is essential. With our digital banking options at Hope, managing your money is not only convenient but also secure and straightforward. Join us today and experience the ease of online banking!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 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 further illustrates our dedication to providing robust financial services. 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 3048 Harvester Ln E Memphis Tn 38127 or call (901) 358-4496 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

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 evident with $1,148 in used auto loans and $393,646,582 in total loans and leases, supporting your financial goals across various sectors.

Operational Efficiency

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.

Secure Savings Opportunities

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

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 car, we have options tailored for you.

Business Financing

For business owners, our outstanding commercial loans totaling $116,685,129 provide the capital needed to grow and expand your business. We're committed to supporting local enterprises and helping them thrive. At Hope, we're not just here to lend; we're here to support your financial journey every step of the way. Reach out today at (901) 358-4496 or visit us at 3048 Harvester Ln E Memphis Tn 38127 in Memphis, TN for more information on how we can assist you with your borrowing 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.

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, designed to accommodate your journey toward owning your dream home. If you're interested in refinancing, talk to us about eligibility options that could save you money.

Unsecured Credit Card Loans

We also recognize that managing finances can sometimes be challenging. That's why we offer flexible terms on unsecured credit card loans, with a total of $730,537 in loans helping members effectively manage their expenses. With our credit cards, you can enjoy convenient purchasing power while keeping your finances under control.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced 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 sourcing ensures that users receive fair and transparent offers. By prioritizing accuracy, LendMesh helps you find loans that genuinely fit your financial needs.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: Unlike some comparison tools, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that truly reflect the best options available. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions without worrying about outdated information. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like these highlight how effective LendMesh can be in helping individuals secure better financing terms. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

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