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Get All the Latest News from YOUR Credit Union
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In this Issue: Auto Loan Rates as low as 4.073% APR • Shared Branching, Now More Secure Than Ever • Easy Tips to Use Zelle® Safely • $500 Off for First-time Homebuyers • HOPE received Community Area Revitalization Efforts Award • See How HOPE Helps Communities Thrive • A Practical Guide to Managing Money with Confidence
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READY. SET. GO GET YOUR CAR. Your next car is calling, and HOPE is here to help you answer in style. Whether you’re commuting to the office, tackling errands, or chasing sunsets on the open road, we’ve got the loan to get you there.
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New Car Loan1 up to two years old Rates as low 4.073%2
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Used Car Loan1 more than two years old Rates as low 5.073%2
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Electric Vehicles1 Hybrids included Rates as low 4.059%2
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Put high monthly payments in reverse!
Let’s lower that car payment. If your current loan is with another lender, we’ll help you refinance in no time. It’s fast, simple, and could save you money.
Let’s ride!
Visit our website or contact your local HOPE branch to get started.
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1Loans subject to approval. 2"APR” is Annual Percentage Rate. Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. A loan on a new conventional vehicle (up to 2 years old) with the lowest advertised interest rate of 3.99% (4.073% APR) for $25,000.00 over 60 months would have a monthly payment of $459.57. A loan on a new electric vehicle (up to 2 years old) with an interest rate of 3.99% (4.059% APR) for 72 months would have a monthly payment of $390.40. Additional rates and terms are available. Advertised rates are available on loans applications submitted from April 1 through June 30, 2025. Rates subject to change.
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Introducing IDCheck for a Safer, Smarter Shared Branch Experience Shared Branch transactions are now easier and more secure than ever!
If you use an out-of-state ID when banking at a Shared Branch, you’ll now verify your identity through IDCheck — a quick, secure process using a QR code and one-time passcode multi-factor authentication. This additional layer of security ensures it’s really YOU accessing your account — not an imposter. How It Works:
When you visit a Shared Branch location and are using an out-of-state ID for your transaction, IDCheck will be required to verify your identity quickly and securely.
Follow these simple steps: - Scan the QR code located in the branch or visit verify.coop.org.
- Select "Hope Federal Credit Union" from the list.
- Enter your member number and the last four digits of your Social Security number.
- Upload a photo of your government-issued ID.
- Take a quick selfie. (Tip: Save your validation for an even faster experience next time!)
- Show your one-time passcode to the teller (passcode is valid for 20 minutes).
This easy, secure process adds an important layer of protection to your account — without slowing you down.
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How to Send Money with Zelle® Safely! Zelle® is a fast, private, and easy way to send and receive money with people you trust, like your sibling, friend, babysitter, coworkers, fellow PTA mom, or your son’s soccer coach. Whether you just enrolled with Zelle® or have been an active user for a while, there are a few tips you should always keep in mind to ensure you are being safe when sending money. - Only send money to those you know and trust.
- Beware of payment scams.
- Treat Zelle® like cash.
Learn more about how using Zelle® can help you send money to friends and family at HOPE.
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Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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Make Homeownership a Reality with HOPE. Hope Credit Union is here to give first-time homebuyers across the Deep South the opportunity to make their move to independence. When you join our credit union family, we’ll help you navigate the homebuying process and work with you to find the lowest rates and best choices for you.1
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EXCLUSIVE OFFER
for First-Time Homebuyers $500 off closing costs2
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Affordable Housing Program - Credit score as low as 580
- 100% financing up to $350,000
- Non-traditional and alternative
credit accepted3 - No mortgage insurance
- Competitive fixed interest rates
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Ready to make your move?
Contact your nearest branch, give us a call at 1-866-321-HOPE, or visit hopecu.org/homeloans to connect with someone from our lending team. From conventional and FHA loans to USDA and VA loans, we’ll help you find the best mortgage for your needs.
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1 Loans subject to approval. 2 The $500 will be provided as lender credit at closing. Offer ends June 30, 2025. 3 At least 3 lines of verified credit over 12 months.
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Pictured from left: Chloe Dotson, Executive Vice President & Chief Program Officer at HOPE; Jena Reed, Vice President of Community & Economic Development at HOPE; Dorsey Baskin, Board Member, FHLB Dallas; Jill Droge, Assistant Vice President and Community Investment Manager, FHLB Dallas; and Felipe Rael, Board Member, FHLB Dallas.
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HOPE Honored with 2025 CARE Award for Community Investment Excellence Hope Credit Union and Hope Enterprise Corporation (HOPE) have been named the 2025 CARE Award recipients by the Federal Home Loan Bank of Dallas (FHLB Dallas)! This prestigious honor recognizes HOPE’s ongoing commitment to advancing affordable housing and community development across the Deep South. Through strategic use of FHLB Dallas programs—like the Special Needs Assistance Program (SNAP), the Homebuyer Equity Leverage Partnership (HELP), and the Affordable Housing Program—HOPE continues to uplift under-resourced communities by supporting home repairs, first-time homebuyers, and affordable housing construction. As part of the award, FHLB Dallas is donating $15,000 to a nonprofit selected by HOPE. “Being honored by FHLB Dallas is a testament to the resilience of our members and the communities we serve,” said HOPE CEO Bill Bynum. Read the full announcement from FHLB Dallas here.
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Member Stories: Making Health Care Happen For Dr. Mona McBride, owning a business is about more than profit; it’s about service. Inspired by her late mother’s legacy as a community leader, she opened CAREFirst Pharmacy & Wellness Center in 2023 to provide holistic healthcare to her rural Arkansas community. Before CAREFirst, residents of Hamburg had to travel up to 30 miles for prescriptions and medical advice. Determined to bring quality care closer to home and her vision to life, Dr. McBride invested her funds into purchasing and renovating a building. She turned to HOPE for the capital she needed to stock her pharmacy and cover operational costs—and we proudly delivered. With a $128,750 loan, she could open her doors, making healthcare more accessible for the 2,500 residents of Hamburg and surrounding areas. “HOPE allows seeds to be planted and grow,” Dr. McBride says. “They help me, and then I help the community. And then the community is able to make it and do better.” Read Dr. Mona McBride's story and more success stories made possible with HOPE.
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Building Your Monthly Spending Plan - A Practical Guide to Managing Money with Confidence Creating a plan for your money doesn’t have to be overwhelming or restrictive—it can be a decisive step toward peace of mind. If you’ve ever started a budget but struggled to stick with it, you’re not alone. Many people feel uncertain about where their money goes each month, and that uncertainty can lead to stress. GreenPath, HOPE’s trusted financial wellness partner, produced a helpful webinar led by Experience Managers Stephanie McNeill and Amber Russell. The webinar was designed to help you create a monthly spending plan tailored to your needs and goals, prepare for periodic expenses and emergencies, and make adjustments as life changes. The session also encourages viewers to recognize that personal finance is not about perfection—it's about progress. You’ll come away with practical and encouraging tips for success, such as starting small, choosing a tracking system that fits your lifestyle, and seeking support when needed. Learn more about how to Build Your Monthly Spending Plan.
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Memorial Day
Monday, May 26 Juneteenth Thursday, June 19 Independence Day Friday, July 4
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Remember, HOPE's Convenience Services are available even when our branches are closed. You still have 24/7 access to many functions for managing your account using our Digital Banking or our HOPE24 Telephone Banking solutions. Learn more about all the great ways to manage your finances.
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If you would like to change the email address to which this notification is sent, please call us at 1-866-321-HOPE (4673).
Thank you for your business.
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Hope Credit Union 601-944-1100 | 1-866-321-HOPE See what's happening on HOPE's social media:
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