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Get All the Latest News from YOUR Credit Union
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In this Issue: Special Financing/Cashback for Electric Vehicles • Passes to HBCU Athletic Conference Basketball Championship • 2025 Members Meeting: Celebrate 30 Years of HOPE • New Platinum Visa Rewards Card System • Member Story: A Clean Start • Refund Revolution • Webinar: Pass Down Prosperity
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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 with rates starting at 1.00% below HOPE’s lowest available rate for conventional vehicles. That's an APR as low as 6.57% through June 30, 2025. We will also continue to offer a $500 cash payment for installing an EV charging station.2  Driving EVs is an environmentally friendly move that 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 operating costs with savings in fuel and 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.
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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.
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Get In On HBCU Hoops Action with HOPE Â If you have a friend, co-worker, or family member who is not a HOPE member yet, you can help them step up their financial game with a free checking account that can pay them back. Plus, new members who open any checking account can get free day passes to the Historically Black Colleges and Universities (HBCU) Athletic Conference 2025 Hope Credit Union Basketball Tournament in Tuscaloosa, Alabama. Â HOPE is proud to be the title sponsor of the 2025 HBCU Athletic Conference Basketball Championship at Stillman College. New HOPE members can get game-day ready with: - Two free day passes to any day of the tournament
- Free swag to get you game-day ready
- Up to 5.12% APY1 on your checking balance every month
- No monthly fees and free online access2
While this offer is not valid for current members, someone you send to HOPE can bring you to the tournament as their "plus one". They just need to use the special HBCU Athletic Conference online account application and enter the promo code HBCUHOOPS25 when opening the account.
Once the account is open, you can attend any games from February 25 to the Men's and Women's championship games on March 2. View our frequently asked questions to learn more about getting your free day passes!
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1“APY” is Annual Percentage Yield. Rates accurate as of 1/15/25 and may change after the account is opened, and dividends paid if qualifications are met each monthly cycle. See full terms and conditions at www.hopecu.org/rewardschecking. One offer of two free all-day passes available to new members who open a personal checking account. New memberships require a savings account with a minimum deposit of $15 and a membership fee of $10. 2Wireless carrier text and data fees may apply.
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Celebrate 30 Years of HOPE at the 2025 Members Meeting  Over the past three decades, Hope Enterprise Corporation (HEC) and Hope Credit Union (HCU) have become one of the nation’s most respected and impactful community development organizations. From HEC’s origin as a community loan fund and HCU’s start as a small church project with big dreams, HOPE now works across five states, benefitting more than three million people and influencing billions of dollars invested in impoverished communities.  Join us at the 2025 HOPE Members Meeting as we celebrate 30 years of service and creating brighter futures for families and communities across the Deep South. HOPE leadership will reflect on significant accomplishments during the last year, such as the expansion of our mortgage lending capacity and a merger with New Pilgrim Federal Credit Union in Birmingham, Alabama. Member-owners will also learn about plans for continued growth, increased focus on technology resources, and new programs to help people in under-resourced communities.  Mark your calendars and register to join us in person or attend online:  Tuesday, March 18, 2025
6:00 PM
HOPE Main Office
Evers-Winter Room
4 Old River Place
Jackson, MS 39202  Register to attend in person or virtually at www.hopecu.org/2025membersmeeting.  Hope Credit Union members will elect new members to the Hope Federal Credit Union Board of Directors during the meeting. In accordance with the credit union’s bylaws, the following individuals are presented for election to the Board of Directors at the 2025 members meeting:1 - Ivye Allen
- David Jackson
- Rica Lewis-Payton
- Bernard Mays, Jr.
- Ann Shackelford
1Nominations for vacancies may also be made by petition signed by at least one percent of the members, with a minimum of 20 and a maximum of 500. Nominations made by petition must be received at HOPE’s corporate office by the close of business on Friday, January 31, 2025. There will be no nominations from the floor if there is at least one nominee for each position to be filled.
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New HOPE Platinum Rewards System Is Here  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 new online rewards system allows cardholders to redeem their rewards balances for all kinds of fantastic items--cash, travel, and merchandise--is now available. The rewards program itself has not changed; cardholders will still earn one (1) point for every dollar spent, and will still be able to redeem points for a variety of great incentives.  Cardholders can access the rewards site using HOPE’s digital banking service rather than visiting the old website directly. Simply sign in to the online version or mobile app, and then select the "Platinum Rewards" menu item in the main navigation.  Visit www.hopecu.org/rewards25 for the latest information about the changes and more detailed instructions on accessing the service or signing up for digital banking.
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HOPE Member Success Story: Empowering Women, Rebuilding Lives  Musee is a local manufacturer specializing in premium bath products. All products are handmade in Mississippi by women in recovery from substance abuse and incarceration. “We really believe you don’t define a person by their past, but you look at their potential and the possibilities,” said CEO and co-founder Leisha Pickering.  Musee offers a safe place to work while the women rebuild their lives, striving in its overall mission of empowering women to rewrite their stories and create brighter futures. Pickering started her company in her kitchen, making bath bombs. Ten years later, Musee Bath sells 15 different homemade products. As the company grew, demand increased for large orders.  Pickering reached out to HOPE to support the growth of the business. HOPE responded with a $338,000 line of credit. The line of credit positioned Musee to meet larger orders on time by covering the costs for manufacturing, packaging, and the day-to-day operational needs managed by Musee’s 50 employees. “People I meet will tell me that I am so passionate about our products…but what I am really passionate about is the hands that make our products,” said Pickering.  Find out about how our business loans could be a catalyst for your company, and read more success stories in HOPE's 2024 Third Quarter Report.
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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
- Making home repairs and improvements
- 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.
Â
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1Loans subject to approval.
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Pass Down Prosperity:
Building Wealth One Generation at a Time  Passing down prosperity or generational wealth – money and assets handed down through families – is vital for a strong community. However, many barriers including race, gender, and income keep people caught in a cycle of debt, preventing them from creating a lasting financial legacy.  Creating generation wealth is a core part of HOPE's work to create brighter futures for families across the Deep South. Watch a special recorded webinar from GreenPath, HOPE's financial wellness partner, for helpful insights on making decisions to invest in yourself and future generations to build a stronger financial future.  What You Will Learn- How repaying debt can help you to start building wealth
- How generational wealth is created and passed down
- How homeownership can build generational wealth
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.
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Presidents Day
Monday, February 17 Â Mardi Gras
(Biloxi, Mississippi, and New Orleans, Louisiana)
Tuesday, March 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.Â
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Hope Credit Union 601-944-1100 | 1-866-321-HOPE Â See what's happening on HOPE's social media:
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