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Get All the Latest News from YOUR Credit Union
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In this issue: Earn 5.12% APY with Rewards Checking • Shared Branching—Safer, Smarter, and Ready for Summer Travel • 2024 Impact Report • More of Your Money, Available Sooner • Find Your Loan at HOPE • Fast Track Your Career • From Renting to Roots: A New Chapter Built with HOPE • Don't Let Summer Fun Bust Your Budget
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Earn Even More (5.12% APY1) with HOPE Rewards Checking! If you’re ready for a free checking account that can pay you back, then we have just the thing for you: HOPE Rewards Checking.2 With no monthly fee and lots of great features, you can manage your funds and earn a return on your balances. Here’s what you get: - A free account with no monthly service charge.
- No minimum balance requirements
- Cash paid into your account each month.
- Free digital banking service, online and mobile, that includes our bill payment feature.
- Refunds on up to $20 in ATM fees.
But wait: now you can get even more money back! Our bonus rate APY is now 5.12%, an increase of more than 2.00%, on balances up to $10,000! Getting the higher return is easy. Each month you need to: - Have 12 debit card transactions post to and clear your account.
- Log on to HOPE digital banking just once.
- Be signed up for and receive e-statements.
- Have at least one direct deposit or automatic payment (ACH) clear your account.
Learn more and get all the account details at www.hopecu.org/rewardschecking.
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1 APY=Annual Percentage Yield. APYs effective as of 6/4/2024. Rates may change after the account is opened.
2 Members must meet certain requirements to open a HOPE Rewards Checking Account.
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Traveling This Summer? Don’t forget IDCheck is available 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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2024 Annual Impact Report: Prosperity Begins with HOPE What began in 1994 as a response to economic exclusion has become a roadmap for reshaping the Deep South’s financial landscape. Guided by a bold strategic vision, HOPE is working to close racial and generational wealth gaps by expanding homeownership, increasing access to capital, and transforming the systems that shape economic opportunity. This work is grounded in the lived experiences of our members. Every mortgage closed, business financed, and policy advanced reflects a deeper effort to build an economy defined not by exclusion, but by shared ownership and agency. Our members are not just participants—they are partners and co-creators in this movement. Explore the people, partnerships, and progress driving our mission in the HOPE 2024 Impact Report—and join us in writing the next chapter.
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Important Funds Availability Update: What You Need to Know Regulation CC helps ensure timely access to your money by setting rules around how quickly banks and credit unions must make funds from check deposits available. Starting July 1, 2025, the federal government is adjusting these dollar amounts to account for inflation—impacting how quickly deposited funds are available in your account. What This Means for You:
The minimum amount from certain check deposit that must be made available by the next business day will increase from $225 to $275. The threshold for certain large deposits and new accounts will also rise to $6,725.
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These adjustments are part of a five-year federal review required by the Expedited Funds Availability Act. They help ensure policies reflect economic changes and protect consumers. To learn more about how these updates may impact your account, visit: Federal Reserve Announcement.
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Need a Loan? Get it at HOPE! There are hundreds of reasons you may need a loan. From upgrading your ride to paying off debt, building your credit, getting a fishing boat, growing your business, or becoming a homeowner, HOPE is here to help you with any need you may have.1 Make sure HOPE is your first stop when you are thinking about a loan for any of the following purposes: - New and Used Vehicles
- Personal Needs
- Small Business
- Credit Building (Borrow and Save)
- Payday Loan Alternatives
- Credit Cards
- Boats, ATVs, and RVs
- Home Equity
- Share Secured
- Home Purchase or Refinance
HOPE is a trusted lender in your community, and you can count on us to find the right financing solution for you. Our team has the experience to help you make the right borrowing moves. We also provide financial counseling and education to help you get ready to apply for a loan. Visit or call your branch today to see what we can do for you!
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1All loans subject to credit approval.
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Fast Track Your Career At HOPE, we believe that where you start shouldn’t determine where you finish. We are a family of mission-driven organizations—Hope Credit Union, Hope Enterprise Corporation, and the Hope Policy Institute—working to close opportunity gaps and build a more inclusive economy across the Deep South. From increasing homeownership to expanding access to capital and advocating for transformative policies, HOPE’s work is rooted in a vision of shared prosperity. If you're driven by purpose and want to be part of lasting, meaningful change—your next chapter starts here. Why Work with HOPE? Competitive pay & benefits Health, dental & vision coverage 401(k) & paid time off Tuition assistance & more
Be part of something bigger. Be part of HOPE. Visit our career listings and submit your job application now.
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Member Stories: A Home of Her Own: Kimberly Patrick’s Journey to Stability and Joy For years, Kimberly Patrick dreamed of stepping through the front door of a home she could truly call her own. Living in a rented mobile home in Pearl, Mississippi, she held tight to that dream—tucking a handwritten letter to herself inside her Bible and praying for the day it would come true. That day came on January 4, 2022, when Kimberly closed on her very first home—a bright, three-bedroom sanctuary with a patio and fenced-in yard, made possible through a mortgage from HOPE. It was more than a real estate transaction; it was the start of a new chapter for her and her daughter. With guidance from HOPE’s Mortgage Business Development Team, and support from state and federal resources, Kimberly took the leap from renting to building wealth and stability—one payment, one prayer, and one step at a time. Kimberly’s story is one of faith, determination, and the power of access. Discover how families across the Deep South are unlocking homeownership and rewriting what’s possible—with HOPE by their side.
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Don’t Let Summer Fun Bust Your Budget Road trips, festivals, and family reunions are part of what makes summer exciting—but without a plan, they can come with a hefty price tag. Our financial wellness partner, GreenPath, shares 10 smart tips to help you build a spending plan that keeps summer stress-free and savings on track. From building a realistic budget to finding free local fun, these tips are designed to help you make the most of your summer—without relying on high-interest credit cards or racking up unexpected debt. Whether you’re heading out of town or planning a staycation, small decisions—like packing your own meals, tracking discounts, or using cash—can add up to big savings. Need help getting started? GreenPath offers free financial counseling and online tools to help you set goals, manage spending, and stay in control—so you can enjoy the season without the financial hangover. Read: Why You Need a Summer Spending Plan
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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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