Supercharge Your Next Vehicle Loan with HOPE 

HOPE is helping members take advantage of the trend toward electric vehicles with special financing and cash for charging station installation.¹

Through June 30, 2025, qualifying electric vehicles can be financed starting at a rate 1.00% below HOPE’s lowest available rate for conventional vehicles. That's an APR as low as 6.57% starting January 1. We will also continue to offer a $500 cash payment for the installation of an EV charging station.²

Driving EVs is definitely move that is environmentally friendly and creates a more sustainable future. HOPE’s EV loan program means that, in addition to going green, HOPE members can enjoy the benefits of lower ownership and operating costs with savings in fuel and lower maintenance expenses.

Learn more at www.hopecu.org/ev. You can also contact or visit your nearest HOPE branch for answers to any questions or to start your application. Current HOPE members can apply using HOPE’s digital banking service via the app or online.

¹Loans subject to approval.

²“APR” is Annual Percentage Rate. Rates subject to change. Advertised “as low as” annual percentage rate (APR) assumes 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 with the lowest advertised interest rate of 6.50% (6.57% APR) on a new electric vehicle (up to 2 years old) for $25,000.00 (minimum) over 72 months would have a monthly payment of $420.27. Additional rates and terms are available. Advertised 1.00% rate discount and $500 cash back on qualifying EV/PHEV are available on loans made from January 1, 2025 through June 30, 2025.

Start a Refund Revolution

If you are getting money back from Uncle Sam, maybe your refund could revolutionize your financial future. It’s tempting to use it for something fun or temporary, but investing it wisely could benefit you for years to come.

Let HOPE help you make the most of your refund to improve your financial situation or use it toward the purchase of an important or more expensive item.

Some of the best uses for your refund include:

• Putting a down payment on a car to make the monthly payments more affordable¹
• Using it toward the purchase of a home¹
• Taking out a share secured loan to help build your credit or consolidate debt¹
• Paying off outstanding debts
• Funding your retirement with a HOPE Traditional or Roth IRA
• Setting up your emergency fund in one of our savings accounts

By planning ahead, you can make the most of your money and help reduce your financial stress now and into the future.

If you need advice on what options might be best for you, be sure to stop by one of our branches for free one-on-one counseling. You can also visit us at www.hopecu.org/refundrevolution to learn more about all the ways we can help you make smart moves with your tax refund.

¹Loans subject to approval.

New HOPE Platinum Rewards System Coming January 2025

Members who have a HOPE Platinum Rewards Visa credit card know the many benefits that come with the card, including the ability to earn great rewards.

The company that provides service for HOPE’s Platinum Visa credit card rewards program is making changes to the online rewards system. The rewards program itself will not change; cardholders will still earn one (1) point for every dollar they spend, and will still be able to redeem points for a variety of great incentives. 

Beginning January 18, members will access the rewards site using HOPE’s digital banking service rather than visiting a website directly. The last day to redeem points using the current site is January 9.

Members with a rewards card will receive mail and email communications with additional details about the upcoming change. You can also visit www.hopecu.org/rewards25 for the latest information about the changes.

Get 2025 kicked off the right way by checking off some important items that should be on your financial to-do list. These important and actionable steps will help you feel empowered and put you in a great position to tackle the new year.

1. Take Inventory - This is the perfect time to look at your major life milestones over the past year and consider any changes that may be on the horizon. Take a look at how any important changes have affected your finances and create a budget that reflects any factors that could affect your tax withholdings and overall financial picture.
   
   
2. Tackle Debt - The last thing you may want right now is a reminder of holiday expenses. As soon as you can, however, make a plan to pay off credit card debt and manage spending to bring debt under control. Depending on your credit, you may be able to pay off debt faster by transferring your credit card debt to one with a lower interest rate—check out what HOPE offers with its Platinum Visa Cards.
   
   
3. Review Your Credit Report - This is also a great time to evaluate your credit report. Beyond improving your score, monitoring your credit regularly alerts you to any errors or fraudulent transactions. Experian, Equifax, and TransUnion all offer one free credit report per year, but you can expect to pay about $5 to access your score. Go to www.annualcreditreport.com to get started.
   
   
4. Create an Emergency Fund - Only 44% of Americans have emergency savings to cover three months of expenses. It’s an even bigger challenge with record-breaking inflation, increased fuel prices, and higher costs at the grocery store. While your cash reserves might be a bit lean after the holiday season, consider setting up a direct deposit that funnels even a small percentage of your paycheck into a dedicated savings account.
   
   
5. Get Connected -  While to-do lists are a solid start, sometimes having a second pair of eyes and ears is important, too. And that’s where GreenPath, HOPE’s Financial Wellness partner, comes in. GreenPath is a trusted national nonprofit organization with more than 60 years of experience in helping people save money, pay down debt, and build financial resiliency. Their experienced,  empathetic counselors can help you evaluate your goals and create a customized plan for you based on your specific circumstances and needs. Learn more at www.greenpath.org/hopecu or call them toll-free at 1-877-337-3399.