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 with the lowest advertised interest rate of 3.99% (4.092% APR) on a new vehicle (up to 3 years old) for $20,000.00 (minimum) over 60 months (maximum) would have a monthly payment of $368.28. A loan with an interest rate of 5.99% (6.033% APR) on a new vehicle (up to 3 years old) for $35,000.00 (minimum) over 84 months (maximum) would have a monthly payment of $511.23. A loan with an interest rate of 12.99% (13.124% APR) for 48 months on a used vehicle would have a monthly payment of $536.61. Additional rates and terms are available. Advertised rates are available on loans made from August 1, 2024, through December 31, 2024.

³Term of 72 months only available for vehicles up to 5 years old and loan amounts of at least $20,000. Term of 84 months term only available for vehicles up to 3 years old and loan amounts of at least $35,000.

Supercharge Your Ride with an Electric Vehicle

Get amazing low rates from HOPE on new and used electric cars, trucks, and SUVs.¹

With our low interest rates and generous $500 charger cash-out offer, Hope Credit Union is making EV ownership happen for drivers across the Deep South, especially if your vehicle is eligible for upfront discounts of up to $7,500 from the federal government. EV owners who charge at home can also expect to save thousands of dollars on fuel costs in just the first five years of ownership.

With new cost-saving EV models coming to market every month, HOPE wants to help you go electric or refinance your current electric vehicle today! Save three ways:

Visit our EV loan page or contact a HOPE branch to find out how you could benefit from owning an electric vehicle and how to take advantage of all the ways to save money on adding one to your garage.

This special promotion is available through the end of the year, so get moving before it's gone!

¹Loans are subject to approval.

²“APR” is Annual Percentage Rate. Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. These rates include 0.25% rate reduction for automatic draft payments. 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 3.99% (4.092% APR) on a new vehicle (up to 3 years old) for $20,000.00 (minimum) over 60 months (maximum) would have a monthly payment of $368.28. A loan with an interest rate of 5.99% (6.033% APR) on a new vehicle (up to 3 years old) for $35,000.00 (minimum) over 84 months (maximum) would have a monthly payment of $511.23. A loan with an interest rate of 12.99% (13.124% APR) for 48 months on a used vehicle would have a monthly payment of $536.61. Additional rates and terms are available. Advertised rates are available on loans made from August 1, 2024, through December 31, 2024.

³Term of 72 months only available for vehicles up to 5 years old and loan amounts of at least $20,000. Term of 84 months term only available for vehicles up to 3 years old and loan amounts of at least $35,000.

Find HOPE!

Locate the most convenient branch or ATM for you.

While HOPE's full menu of personal banking tools and business services are great options, sometimes you may need to visit us in person. Our branch and ATM locator has you covered.

There are six great ways to find a location near you.

1. Branch and/or ATM - By default, all locations are shown. If you only want to see all branches or only ATMs, select the appropriate box.
2. Zip Code - Enter a zip code to find nearby branches.  
3. Use My Current Location - Clicking on this will attempt to use location data provided by your computer or mobile device to show locations that are in your area.
4. Map - Select a pin on the map to go get details for that HOPE facility.
5. Browse Locations - Use this feature to show all HOPE branches and ATMs within a particular state. 
6. Location Gallery - Initially, visiting the Branches and ATMs page will show all location with an image, branch name, and address. If you used any of the filter features, the gallery will show only the locations that meet your criteria. Click on any tile to see branch details.

If you are travelling beyond Alabama, Arkansas, Louisiana, Mississippi, or Tennessee, you still have options. Use the "Shared Branching Network" link under the "Find a Location" section to locate more than 5,000 credit union branches available to you across the country.

The holiday season is here and shopping deals are popping up everywhere, so it’s important to take a quick time out and make a plan for your finances. This is especially important because a recent survey found that shoppers plan to spend 8% more than last year. 

You may have a lot going on, but now is the perfect time to pause, reassess, and get your finances in order before the holiday rush. Set yourself up for a stress-free season and a strong start to the new year with these three simple steps.

1. Review Your Monthly Spending: Get a Clear Picture of Where Your Money Goes 
   

   The first step to getting your finances in order is understanding where your money is going – not where you think (or wish) it’s going. Even if you follow a budget, take this week to review your actual spending from the past 1-2 months.
   
   Reminder: This isn’t about judging yourself, in this exercise, you’re after facts and clarity. Decide on 2-3 things you can cut back or pause spending for the next few weeks. These savings can go toward your emergency fund or holiday expenses.

    

2. Build a Holiday Spending Plan: Set Limits Before You Start
   

   Before Black Friday and Cyber Monday sales tempt you, create a holiday spending plan. Without a plan, you will fall into the trap of impulse buying. The good news? Holiday shopping provides a great opportunity to get creative with your gifts without derailing your financial goals.
   
   Reduce temptation from marketing emails by using a separate “shopping” email address for loyalty programs and online orders. This way, you won’t be bombarded with deals. When you’re ready to shop, check your shopping inbox for discounts.

   
   
3. Start Preparing for 2025 Now with Automated Savings and Payments
   

   While it’s easy to focus on the holidays, remember that the new year is just around the corner. By automating your savings and payments this week, you’ll set yourself up for a strong financial start in 2025. 

   
   One way to help is by starting a HOPE Holiday Club account. Use it to make automatic deposits or regular transfers from another account to build savings all year long.

Final Thoughts 

Getting your finances in order doesn’t have to be overwhelming. Taking these steps will help you feel more confident heading into the holiday season and a new year. Remember, the joy of the season doesn’t come from how much you spend but from appreciating the good around you and spending time with loved ones. 

GreenPath, HOPE's financial wellness partner, offers trusted resources to help people navigate their finances, especially during the holidays. Look around their website for tools to keep your finances on track.