{"id":462,"date":"2024-05-13T15:52:43","date_gmt":"2024-05-13T15:52:43","guid":{"rendered":"http:\/\/hope-cu.local\/?page_id=462"},"modified":"2025-11-10T12:15:24","modified_gmt":"2025-11-10T17:15:24","slug":"rates","status":"publish","type":"page","link":"https:\/\/www.hopecu.org\/rates\/","title":{"rendered":"Our Rates"},"content":{"rendered":"\n
\n
<\/div>\n\n\n\n

Deposit Rates<\/h2>\n\n\n\n
<\/div>\n\n\n\n

Rates as of 11\/4\/25 and subject to change.<\/p>\n\n\n

\n \n \n \n \n \n

Share Accounts2<\/sup><\/p>\n<\/th>\n

Annual Percentage Rate (APR)<\/th>\n Annual Percentage Yield (APY)<\/th>\n Jumbo APR<\/th>\n Jumbo APY<\/th>\n <\/tr>\n

On balances of at least $100 up to $100,000<\/p>\n<\/td>\n

\n 0.25% <\/td>\n \n 0.25% <\/td>\n \n <\/td>\n \n <\/td>\n <\/tr>\n

On balances over $100,000<\/p>\n<\/td>\n

\n 0.25% <\/td>\n \n 0.25% <\/td>\n \n <\/td>\n \n <\/td>\n <\/tr>\n <\/table>\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

Share Accounts2<\/sup><\/p>\n<\/th>\n <\/tr>\n

Annual Percentage Rate (APR)<\/th>\n <\/tr>\n

On balances of at least $100 up to $100,000<\/p>\n<\/td>\n

\n 0.25% <\/td>\n <\/tr>\n

On balances over $100,000<\/p>\n<\/td>\n

\n 0.25% <\/td>\n <\/tr>\n
Annual Percentage Yield (APY)<\/th>\n <\/tr>\n

On balances of at least $100 up to $100,000<\/p>\n<\/td>\n

\n 0.25% <\/td>\n <\/tr>\n

On balances over $100,000<\/p>\n<\/td>\n

\n 0.25% <\/td>\n <\/tr>\n
Jumbo APR<\/th>\n <\/tr>\n

On balances of at least $100 up to $100,000<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

On balances over $100,000<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n
Jumbo APY<\/th>\n <\/tr>\n

On balances of at least $100 up to $100,000<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

On balances over $100,000<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n <\/table>\n
\n

2<\/sup>Dividends on share accounts are set in arrears by the Board on a quarterly basis. Accounts earn dividends with a minimum balance of $100.<\/small><\/p>\n <\/div>\n \n <\/div>\n\n\n

<\/div>\n\n\n
\n \n \n \n \n \n \n \n

HOPE Rewards Saving Plus Accounts3<\/sup><\/p>\n<\/th>\n

Annual Percentage Rate (APR)<\/th>\n Annual Percentage Yield (APY)<\/th>\n Jumbo APR<\/th>\n Jumbo APY<\/th>\n <\/tr>\n

On balances up to $10,000 When Qualifications are Met4<\/sup><\/p>\n<\/td>\n

\n 1.00% <\/td>\n \n 1.005% <\/td>\n \n <\/td>\n \n <\/td>\n <\/tr>\n

Balances of $10,000.01 \u2013 $50,0004<\/sup><\/p>\n<\/td>\n

\n 1.50% <\/td>\n \n 1.511% <\/td>\n \n <\/td>\n \n <\/td>\n <\/tr>\n

Balances of $50,000.01 or greater4<\/sup><\/p>\n<\/td>\n

\n 1.50% <\/td>\n \n 1.511% <\/td>\n \n <\/td>\n \n <\/td>\n <\/tr>\n

When Qualifications not met<\/p>\n<\/td>\n

\n 0.10% <\/td>\n \n 0.10% <\/td>\n \n <\/td>\n \n <\/td>\n <\/tr>\n <\/table>\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

HOPE Rewards Saving Plus Accounts3<\/sup><\/p>\n<\/th>\n <\/tr>\n

Annual Percentage Rate (APR)<\/th>\n <\/tr>\n

On balances up to $10,000 When Qualifications are Met4<\/sup><\/p>\n<\/td>\n

\n 1.00% <\/td>\n <\/tr>\n

Balances of $10,000.01 \u2013 $50,0004<\/sup><\/p>\n<\/td>\n

\n 1.50% <\/td>\n <\/tr>\n

Balances of $50,000.01 or greater4<\/sup><\/p>\n<\/td>\n

\n 1.50% <\/td>\n <\/tr>\n

When Qualifications not met<\/p>\n<\/td>\n

\n 0.10% <\/td>\n <\/tr>\n
Annual Percentage Yield (APY)<\/th>\n <\/tr>\n

On balances up to $10,000 When Qualifications are Met4<\/sup><\/p>\n<\/td>\n

\n 1.005% <\/td>\n <\/tr>\n

Balances of $10,000.01 \u2013 $50,0004<\/sup><\/p>\n<\/td>\n

\n 1.511% <\/td>\n <\/tr>\n

Balances of $50,000.01 or greater4<\/sup><\/p>\n<\/td>\n

\n 1.511% <\/td>\n <\/tr>\n

When Qualifications not met<\/p>\n<\/td>\n

\n 0.10% <\/td>\n <\/tr>\n
Jumbo APR<\/th>\n <\/tr>\n

On balances up to $10,000 When Qualifications are Met4<\/sup><\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

Balances of $10,000.01 \u2013 $50,0004<\/sup><\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

Balances of $50,000.01 or greater4<\/sup><\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

When Qualifications not met<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n
Jumbo APY<\/th>\n <\/tr>\n

On balances up to $10,000 When Qualifications are Met4<\/sup><\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

Balances of $10,000.01 \u2013 $50,0004<\/sup><\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

Balances of $50,000.01 or greater4<\/sup><\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

When Qualifications not met<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n <\/table>\n
\n

3<\/sup>Variable-rate account; rates may change after the account is opened.<\/small><\/p>\n

4<\/sup>When qualifications are met.<\/small><\/p>\n <\/div>\n \n <\/div>\n\n\n

<\/div>\n\n\n
\n \n \n \n \n \n \n

HOPE Rewards Checking and Checking Plus Accounts3<\/sup><\/p>\n<\/th>\n

Annual Percentage Rate (APR)<\/th>\n Annual Percentage Yield (APY)<\/th>\n Jumbo APR<\/th>\n Jumbo APY<\/th>\n <\/tr>\n

On balances up to $10,0004<\/sup><\/small><\/p>\n<\/td>\n

\n 5.00% <\/td>\n \n 5.127% <\/td>\n \n <\/td>\n \n <\/td>\n <\/tr>\n

On balances over $10,0004<\/sup><\/small><\/p>\n<\/td>\n

\n 0.50% <\/td>\n \n 0.501% <\/td>\n \n <\/td>\n \n <\/td>\n <\/tr>\n

When Qualifications Not Met<\/p>\n<\/td>\n

\n 0.10% <\/td>\n \n 0.10% <\/td>\n \n <\/td>\n \n <\/td>\n <\/tr>\n <\/table>\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

HOPE Rewards Checking and Checking Plus Accounts3<\/sup><\/p>\n<\/th>\n <\/tr>\n

Annual Percentage Rate (APR)<\/th>\n <\/tr>\n

On balances up to $10,0004<\/sup><\/small><\/p>\n<\/td>\n

\n 5.00% <\/td>\n <\/tr>\n

On balances over $10,0004<\/sup><\/small><\/p>\n<\/td>\n

\n 0.50% <\/td>\n <\/tr>\n

When Qualifications Not Met<\/p>\n<\/td>\n

\n 0.10% <\/td>\n <\/tr>\n
Annual Percentage Yield (APY)<\/th>\n <\/tr>\n

On balances up to $10,0004<\/sup><\/small><\/p>\n<\/td>\n

\n 5.127% <\/td>\n <\/tr>\n

On balances over $10,0004<\/sup><\/small><\/p>\n<\/td>\n

\n 0.501% <\/td>\n <\/tr>\n

When Qualifications Not Met<\/p>\n<\/td>\n

\n 0.10% <\/td>\n <\/tr>\n
Jumbo APR<\/th>\n <\/tr>\n

On balances up to $10,0004<\/sup><\/small><\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

On balances over $10,0004<\/sup><\/small><\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

When Qualifications Not Met<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n
Jumbo APY<\/th>\n <\/tr>\n

On balances up to $10,0004<\/sup><\/small><\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

On balances over $10,0004<\/sup><\/small><\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

When Qualifications Not Met<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n <\/table>\n
\n

3<\/sup>Variable-rate account; rates may change after the account is opened.<\/small><\/p>\n

4<\/sup>When qualifications are met.<\/small><\/p>\n <\/div>\n \n <\/div>\n\n\n

<\/div>\n\n\n
\n \n \n \n \n

Nonprofit Bonus Rate Savings Account3<\/sup><\/p>\n<\/th>\n

Annual Percentage Rate (APR)<\/th>\n Annual Percentage Yield (APY)<\/th>\n Jumbo APR<\/th>\n Jumbo APY<\/th>\n <\/tr>\n
<\/td>\n \n 2.063% <\/td>\n \n 2.084% <\/td>\n \n <\/td>\n \n <\/td>\n <\/tr>\n <\/table>\n \n \n \n \n \n \n \n \n \n \n

Nonprofit Bonus Rate Savings Account3<\/sup><\/p>\n<\/th>\n <\/tr>\n

Annual Percentage Rate (APR)<\/th>\n <\/tr>\n
<\/td>\n \n 2.063% <\/td>\n <\/tr>\n
Annual Percentage Yield (APY)<\/th>\n <\/tr>\n
<\/td>\n \n 2.084% <\/td>\n <\/tr>\n
Jumbo APR<\/th>\n <\/tr>\n
<\/td>\n \n <\/td>\n <\/tr>\n
Jumbo APY<\/th>\n <\/tr>\n
<\/td>\n \n <\/td>\n <\/tr>\n <\/table>\n
\n

3<\/sup>Variable-rate account; rates may change after the account is opened.<\/p>\n <\/div>\n \n <\/div>\n\n\n

<\/div>\n\n\n
\n \n \n \n \n \n \n \n

Money Market Account3<\/sup>\u00a0($1,000 Minimum)<\/p>\n<\/th>\n

Annual Percentage Rate (APR)<\/th>\n Annual Percentage Yield (APY)<\/th>\n Jumbo APR<\/th>\n Jumbo APY<\/th>\n <\/tr>\n

Non-Jumbo<\/p>\n<\/td>\n

\n 0.25% <\/td>\n \n 0.25% <\/td>\n \n <\/td>\n \n <\/td>\n <\/tr>\n

Over $100,000<\/p>\n<\/td>\n

\n <\/td>\n \n <\/td>\n \n 2.063% <\/td>\n \n 2.084% <\/td>\n <\/tr>\n

Over $500,000<\/p>\n<\/td>\n

\n <\/td>\n \n <\/td>\n \n 2.063% <\/td>\n \n 2.084% <\/td>\n <\/tr>\n

Transformational Deposits<\/p>\n<\/td>\n

\n 0.25% <\/td>\n \n 0.25% <\/td>\n \n 0.25% <\/td>\n \n 0.25% <\/td>\n <\/tr>\n <\/table>\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

Money Market Account3<\/sup>\u00a0($1,000 Minimum)<\/p>\n<\/th>\n <\/tr>\n

Annual Percentage Rate (APR)<\/th>\n <\/tr>\n

Non-Jumbo<\/p>\n<\/td>\n

\n 0.25% <\/td>\n <\/tr>\n

Over $100,000<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

Over $500,000<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

Transformational Deposits<\/p>\n<\/td>\n

\n 0.25% <\/td>\n <\/tr>\n
Annual Percentage Yield (APY)<\/th>\n <\/tr>\n

Non-Jumbo<\/p>\n<\/td>\n

\n 0.25% <\/td>\n <\/tr>\n

Over $100,000<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

Over $500,000<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

Transformational Deposits<\/p>\n<\/td>\n

\n 0.25% <\/td>\n <\/tr>\n
Jumbo APR<\/th>\n <\/tr>\n

Non-Jumbo<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

Over $100,000<\/p>\n<\/td>\n

\n 2.063% <\/td>\n <\/tr>\n

Over $500,000<\/p>\n<\/td>\n

\n 2.063% <\/td>\n <\/tr>\n

Transformational Deposits<\/p>\n<\/td>\n

\n 0.25% <\/td>\n <\/tr>\n
Jumbo APY<\/th>\n <\/tr>\n

Non-Jumbo<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

Over $100,000<\/p>\n<\/td>\n

\n 2.084% <\/td>\n <\/tr>\n

Over $500,000<\/p>\n<\/td>\n

\n 2.084% <\/td>\n <\/tr>\n

Transformational Deposits<\/p>\n<\/td>\n

\n 0.25% <\/td>\n <\/tr>\n <\/table>\n
\n

3<\/sup>Variable-rate account; rates may change after the account is opened.<\/small><\/p>\n <\/div>\n \n <\/div>\n\n\n

<\/div>\n\n\n
\n \n \n \n \n \n \n \n \n \n \n

Share Certificates5,6<\/sup>\u00a0(CDs) ($1,000 Minimum)<\/p>\n<\/th>\n

Annual Percentage Rate (APR)<\/th>\n Annual Percentage Yield (APY)<\/th>\n Jumbo APR<\/th>\n Jumbo APY<\/th>\n <\/tr>\n

6-Month<\/p>\n<\/td>\n

\n 0.75% <\/td>\n \n 0.753% <\/td>\n \n 0.75% <\/td>\n \n 0.753% <\/td>\n <\/tr>\n

12-Month<\/p>\n<\/td>\n

\n 2.750% <\/td>\n \n 2.788% <\/td>\n \n 3.580% <\/td>\n \n 3.645% <\/td>\n <\/tr>\n

24-Month<\/p>\n<\/td>\n

\n 2.088% <\/td>\n \n 2.110% <\/td>\n \n 3.480% <\/td>\n \n 3.541% <\/td>\n <\/tr>\n

36-Month<\/p>\n<\/td>\n

\n 2.082% <\/td>\n \n 2.104% <\/td>\n \n 3.470% <\/td>\n \n 3.537% <\/td>\n <\/tr>\n

60-Month<\/p>\n<\/td>\n

\n 2.204% <\/td>\n \n 2.228% <\/td>\n \n 3.673% <\/td>\n \n 3.741% <\/td>\n <\/tr>\n

Transformational Deposits<\/a><\/span> (Not available on 6-month term.)<\/p>\n<\/td>\n

\n 0.25% <\/td>\n \n 0.25% <\/td>\n \n <\/td>\n \n <\/td>\n <\/tr>\n

Jumbo Transformational Deposits6<\/sup> (Available on deposits of $5,000,000 or more.)<\/p>\n<\/td>\n

\n <\/td>\n \n <\/td>\n \n 0.35% <\/td>\n \n 0.35% <\/td>\n <\/tr>\n <\/table>\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

Share Certificates5,6<\/sup>\u00a0(CDs) ($1,000 Minimum)<\/p>\n<\/th>\n <\/tr>\n

Annual Percentage Rate (APR)<\/th>\n <\/tr>\n

6-Month<\/p>\n<\/td>\n

\n 0.75% <\/td>\n <\/tr>\n

12-Month<\/p>\n<\/td>\n

\n 2.750% <\/td>\n <\/tr>\n

24-Month<\/p>\n<\/td>\n

\n 2.088% <\/td>\n <\/tr>\n

36-Month<\/p>\n<\/td>\n

\n 2.082% <\/td>\n <\/tr>\n

60-Month<\/p>\n<\/td>\n

\n 2.204% <\/td>\n <\/tr>\n

Transformational Deposits<\/a><\/span> (Not available on 6-month term.)<\/p>\n<\/td>\n

\n 0.25% <\/td>\n <\/tr>\n

Jumbo Transformational Deposits6<\/sup> (Available on deposits of $5,000,000 or more.)<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n
Annual Percentage Yield (APY)<\/th>\n <\/tr>\n

6-Month<\/p>\n<\/td>\n

\n 0.753% <\/td>\n <\/tr>\n

12-Month<\/p>\n<\/td>\n

\n 2.788% <\/td>\n <\/tr>\n

24-Month<\/p>\n<\/td>\n

\n 2.110% <\/td>\n <\/tr>\n

36-Month<\/p>\n<\/td>\n

\n 2.104% <\/td>\n <\/tr>\n

60-Month<\/p>\n<\/td>\n

\n 2.228% <\/td>\n <\/tr>\n

Transformational Deposits<\/a><\/span> (Not available on 6-month term.)<\/p>\n<\/td>\n

\n 0.25% <\/td>\n <\/tr>\n

Jumbo Transformational Deposits6<\/sup> (Available on deposits of $5,000,000 or more.)<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n
Jumbo APR<\/th>\n <\/tr>\n

6-Month<\/p>\n<\/td>\n

\n 0.75% <\/td>\n <\/tr>\n

12-Month<\/p>\n<\/td>\n

\n 3.580% <\/td>\n <\/tr>\n

24-Month<\/p>\n<\/td>\n

\n 3.480% <\/td>\n <\/tr>\n

36-Month<\/p>\n<\/td>\n

\n 3.470% <\/td>\n <\/tr>\n

60-Month<\/p>\n<\/td>\n

\n 3.673% <\/td>\n <\/tr>\n

Transformational Deposits<\/a><\/span> (Not available on 6-month term.)<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

Jumbo Transformational Deposits6<\/sup> (Available on deposits of $5,000,000 or more.)<\/p>\n<\/td>\n

\n 0.35% <\/td>\n <\/tr>\n
Jumbo APY<\/th>\n <\/tr>\n

6-Month<\/p>\n<\/td>\n

\n 0.753% <\/td>\n <\/tr>\n

12-Month<\/p>\n<\/td>\n

\n 3.645% <\/td>\n <\/tr>\n

24-Month<\/p>\n<\/td>\n

\n 3.541% <\/td>\n <\/tr>\n

36-Month<\/p>\n<\/td>\n

\n 3.537% <\/td>\n <\/tr>\n

60-Month<\/p>\n<\/td>\n

\n 3.741% <\/td>\n <\/tr>\n

Transformational Deposits<\/a><\/span> (Not available on 6-month term.)<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

Jumbo Transformational Deposits6<\/sup> (Available on deposits of $5,000,000 or more.)<\/p>\n<\/td>\n

\n 0.35% <\/td>\n <\/tr>\n <\/table>\n
\n

5<\/sup>Early withdrawal penalties apply to all certificate and IRA accounts.
\n6<\/sup>Standard jumbo rates are available on deposits of $95,000 or more. Jumbo rates for Transformational Deposits of $5,000,000 or more.<\/p>\n <\/div>\n \n <\/div>\n\n\n

<\/div>\n\n\n
\n \n \n \n \n \n \n

Individual Retirement Accounts5<\/sup><\/p>\n<\/th>\n

Annual Percentage Rate (APR)<\/th>\n Annual Percentage Yield (APY)<\/th>\n Jumbo APR<\/th>\n Jumbo APY<\/th>\n <\/tr>\n

IRA Savings<\/p>\n<\/td>\n

\n 0.25% <\/td>\n \n 0.25% <\/td>\n \n <\/td>\n \n <\/td>\n <\/tr>\n

IRA 18-Month Certificate<\/p>\n<\/td>\n

\n 2.088% <\/td>\n \n 2.110% <\/td>\n \n <\/td>\n \n <\/td>\n <\/tr>\n

IRA 60-Month Certificate<\/p>\n<\/td>\n

\n 2.204% <\/td>\n \n 2.228% <\/td>\n \n <\/td>\n \n <\/td>\n <\/tr>\n <\/table>\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n

Individual Retirement Accounts5<\/sup><\/p>\n<\/th>\n <\/tr>\n

Annual Percentage Rate (APR)<\/th>\n <\/tr>\n

IRA Savings<\/p>\n<\/td>\n

\n 0.25% <\/td>\n <\/tr>\n

IRA 18-Month Certificate<\/p>\n<\/td>\n

\n 2.088% <\/td>\n <\/tr>\n

IRA 60-Month Certificate<\/p>\n<\/td>\n

\n 2.204% <\/td>\n <\/tr>\n
Annual Percentage Yield (APY)<\/th>\n <\/tr>\n

IRA Savings<\/p>\n<\/td>\n

\n 0.25% <\/td>\n <\/tr>\n

IRA 18-Month Certificate<\/p>\n<\/td>\n

\n 2.110% <\/td>\n <\/tr>\n

IRA 60-Month Certificate<\/p>\n<\/td>\n

\n 2.228% <\/td>\n <\/tr>\n
Jumbo APR<\/th>\n <\/tr>\n

IRA Savings<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

IRA 18-Month Certificate<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

IRA 60-Month Certificate<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n
Jumbo APY<\/th>\n <\/tr>\n

IRA Savings<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

IRA 18-Month Certificate<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n

IRA 60-Month Certificate<\/p>\n<\/td>\n

\n <\/td>\n <\/tr>\n <\/table>\n
\n

5<\/sup>Early withdrawal penalties apply to all certificate and IRA accounts.<\/p>\n <\/div>\n \n <\/div>\n\n\n

<\/div>\n\n\n\n

Loan Rates1<\/sup><\/h2>\n\n\n\n

Rates effective 11\/4\/25 and subject to change.<\/p>\n\n\n\n

1<\/sup>All loans subject to approval. Rates subject to change.<\/p>\n\n\n\n

<\/div>\n\n\n
\n \n \n \n \n \n
Loan Type<\/th>\n Rate(APR)2<\/sup><\/th>\n Maximum Amount<\/th>\n Maximum Term<\/th>\n <\/tr>\n

Unsecured \/ Signature3<\/sup><\/p>\n<\/td>\n

7.50% – 18.00%<\/td>\n 20% of Gross Income – Depends on Credit Score<\/td>\n 48 Months<\/td>\n <\/tr>\n <\/table>\n \n \n \n \n \n
Loan Type<\/th>\n <\/tr>\n
\n Rate(APR)2<\/sup>\n <\/th>\n <\/tr>\n
Maximum Amount: 20% of Gross Income – Depends on Credit Score<\/td>\n <\/tr>\n
48 Months<\/td>\n 7.50% – 18.00%<\/td>\n <\/tr>\n <\/table>\n
\n

3<\/sup>Unsecured\/Signature Loans for $4,000 with an interest rate of 8.50% (8.50% APR) and a term of 48 months would have a monthly payment of $92.32.<\/p>\n <\/div>\n <\/div>\n\n\n

<\/div>\n\n\n
\n \n \n \n \n \n \n
Loan Type<\/th>\n Rate(APR)2<\/sup><\/th>\n Maximum Amount<\/th>\n Maximum Term<\/th>\n <\/tr>\n

Vehicle Loans – New (Up to 2 Years Old)<\/p>\n<\/td>\n

4.073% – 18.000% APR<\/td>\n <\/td>\n 84 Months3<\/sup><\/td>\n <\/tr>\n

Vehicle Loans – Used (More Than 2 Years Old)<\/p>\n<\/td>\n

5.073% – 18.00% APR<\/td>\n <\/td>\n 72 Months<\/td>\n <\/tr>\n <\/table>\n \n \n \n \n \n \n \n
Loan Type<\/th>\n <\/tr>\n
\n Rate(APR)2<\/sup>\n <\/th>\n <\/tr>\n
Maximum Amount: <\/td>\n <\/tr>\n
84 Months3<\/sup><\/td>\n 4.073% – 18.000% APR<\/td>\n <\/tr>\n
Maximum Amount: <\/td>\n <\/tr>\n
72 Months<\/td>\n 5.073% – 18.00% APR<\/td>\n <\/tr>\n <\/table>\n
\n

\u00b2APR\u201d is Annual Percentage Rate. Advertised \u201cas low as\u201d 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 $20,000.00 over 60 months would have a monthly payment of $459.57. Additional rates and terms are available. Advertised rates are available on loans applications submitted from October 1 through December 31, 2025. Rates subject to change.<\/p>\n

\u00b3Term of 84 months only available for vehicles up to 2 years old and loan amounts of at least $35,000.<\/p>\n <\/div>\n <\/div>\n\n\n

<\/div>\n\n\n
\n \n \n \n \n \n
Loan Type<\/th>\n Rate(APR)2<\/sup><\/th>\n Maximum Amount<\/th>\n Maximum Term<\/th>\n <\/tr>\n

Home Equity<\/p>\n<\/td>\n

Contact your local branch for home equity loan details.<\/td>\n <\/td>\n <\/td>\n <\/tr>\n <\/table>\n \n \n \n \n \n
Loan Type<\/th>\n <\/tr>\n
\n Rate(APR)2<\/sup>\n <\/th>\n <\/tr>\n
Maximum Amount: <\/td>\n <\/tr>\n
<\/td>\n Contact your local branch for home equity loan details.<\/td>\n <\/tr>\n <\/table>\n
\n <\/div>\n <\/div>\n\n\n
<\/div>\n\n\n
\n \n \n \n \n \n
Loan Type<\/th>\n Rate(APR)2<\/sup><\/th>\n Maximum Amount<\/th>\n Maximum Term<\/th>\n <\/tr>\n

Credit Cards<\/p>\n<\/td>\n

13.25% – 18.00%<\/td>\n Credit Limits of Up to $10,000<\/td>\n <\/td>\n <\/tr>\n <\/table>\n \n \n \n \n \n
Loan Type<\/th>\n <\/tr>\n
\n Rate(APR)2<\/sup>\n <\/th>\n <\/tr>\n
Maximum Amount: Credit Limits of Up to $10,000<\/td>\n <\/tr>\n
<\/td>\n 13.25% – 18.00%<\/td>\n <\/tr>\n <\/table>\n
\n <\/div>\n <\/div>\n\n\n
<\/div>\n\n\n
\n \n \n \n \n \n
Loan Type<\/th>\n Rate(APR)2<\/sup><\/th>\n Maximum Amount<\/th>\n Maximum Term<\/th>\n <\/tr>\n

Borrow and Save Loans5<\/sup><\/p>\n<\/td>\n

8.50% – 18.00%<\/td>\n $1,000<\/td>\n 12 Months<\/td>\n <\/tr>\n <\/table>\n \n \n \n \n \n
Loan Type<\/th>\n <\/tr>\n
\n Rate(APR)2<\/sup>\n <\/th>\n <\/tr>\n
Maximum Amount: $1,000<\/td>\n <\/tr>\n
12 Months<\/td>\n 8.50% – 18.00%<\/td>\n <\/tr>\n <\/table>\n
\n

5<\/sup>Borrow and Save Loans with an annual interest rate of 8.50% (8.50% APR) and a term of 12 months would have a monthly payment of $85.79 for $1,000.<\/p>\n <\/div>\n <\/div>\n\n\n

<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

Deposit Rates Rates as of 11\/4\/25 and subject to change. Loan Rates1 Rates effective 11\/4\/25 and subject to change. 1All loans subject to approval. Rates subject to change.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-462","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nRates | Hope Credit Union<\/title>\n<meta name=\"description\" content=\"Learn more about our Rates at Hope Credit Union. 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