At a glance
From its website, read 29 Oct 2026HOPE FEDERAL CREDIT UNION is a credit union based in Jackson, Mississippi. Its website describes auto loans, commercial real estate loans, equipment loans and 4 other loan types. Where it lends: Deep South (23 locations). The consumer loan APR it states is 7.171%. It says it considers borrowers with low or no credit history. You can start an application online. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (866) 321-4673 source |
|---|---|
| Toll-free | (877) 214-4673 source |
| Toll-free | (855) 876-1864 source |
| Apply online | Page with the application link |
| Website | www.hopecu.org |
| Office (official list) | P.O. BOX 22886, Jackson, MS 39225 |
What their website says about applying
You can apply for any loan at a branch.
sourceYour social security or tax identification number
sourceProof of income, like a pay stub
sourceOur friendly team members are ready to help you take the first steps by phone.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 29 Oct 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate: from 7.171% APR | lowest advertised interest rate of 6.750% (7.171% APR) for $20,000.00 over 60 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Minimum credit score: 640
Credit Scores as Low as 640
source - Low or damaged credit considered
We are able to look at alternate financial history information and are often more flexible than other institutions.
source - No or thin credit history considered
we seek to provide financial assistance whenever possible to those who are just starting out or rebuilding
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 31 Mar 2014 |
| RSSD ID | 2342816 |
| Address | P.O. BOX 22886, Jackson, MS 39225 Directions to the main office (Google Maps) |
| Website | www.hopecu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 29 Oct 2026Read from 5 pages of the lender's website on 29 Oct 2026. Quotes are verbatim. Reviewed by a person (Oct 2026). Items added later were extracted with AI help and checked automatically against the pages listed below. Confidence: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Personal Loans Auto Loans | source |
| Commercial real estate loans | — | Real Estate Loans | source |
| Equipment loans | — | Equipment Loans | source |
| Home mortgages | — | Mortgage Lending Team | source |
| Nonprofit / community facility loans | — | Charter Schools Community Facilities Financing | source |
| Personal / consumer loans | — | Loans Personal Loans | source |
| Small-business loans | — | Nonprofit Bonus Rate Savings Business Loans | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Deep South (23 locations)
HOPE has 23 locations ready to serve you across the Deep South.
source
Borrower focus
- Not stated on the pages we read.
Languages
- Spanish
English Español
source
Online application
Yes — the site links to an application. Current HOPE members can apply quickly and easily with our online application.
source
Questions to ask when you contact them
Based on what their website said when we read it on 29 Oct 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$39.1 million in 23 awards from the U.S. Treasury's CDFI Fund, 2000–2024 (6 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,285,000 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2022 | CDFI Program, Financial Assistance | $797,900 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $887,500 |
| 2019 | CDFI Program, Financial Assistance | $714,000 |
| 2019 | Capital Magnet Fund | $3,375,000 |
| 2019 | Healthy Food Financing Initiative, Financial Assistance | $2,000,000 |
| 2018 | CDFI Program, Financial Assistance | $950,000 |
| 2018 | Capital Magnet Fund | $3,750,000 |
| 2018 | Healthy Food Financing Initiative, Financial Assistance | $1,000,000 |
| 2017 | CDFI Program, Financial Assistance | $1,006,905 |
| 2017 | Capital Magnet Fund | $2,500,000 |
| 2017 | Healthy Food Financing Initiative, Financial Assistance | $1,500,000 |
| 2015 | CDFI Program, Financial Assistance | $1,150,000 |
| 2015 | Healthy Food Financing Initiative, Financial Assistance | $2,500,000 |
| 2014 | CDFI Program, Financial Assistance | $3,000,000 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
| 2011 | CDFI Program, Financial Assistance | $1,500,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2007 | CDFI Program, Financial Assistance | $480,000 |
| 2000 | CDFI Program, Technical Assistance | $44,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $92.6 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI & MDI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as HOPE (charter 24829). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $881.4 million (as of 30 Jun 2026) |
|---|---|
| Members | 49,735 (as of 30 Jun 2026) |
| Offices | 15 in 5 states (as of 30 Jun 2026) |
Offices by state and county (15)
Mississippi (7 offices)
- Hinds County (2): 1748 University Blvd, Jackson 39204; 350 W Woodrow Wilson Ave Ste 370b, Jackson 39213
- Leflore County (1): 120 Humphreys St, Itta Bena 38941
- Rankin County (1): 4 Old River Pl, Jackson 39202 (main office)
- Sunflower County (1): 917 W Delta Ave, Moorhead 38761
- Washington County (1): 546 Martin Luther King Dr, Greenville 38701
- Winston County (1): 16620 E Main St, Louisville 39339
Alabama (3 offices)
- Jefferson County (1): 9178 Parkway E, Birmingham 35206
- Montgomery County (2): 3421 Mcgehee Rd, Montgomery 36111; 400 Arba St, Montgomery 36104
Arkansas (2 offices)
- Crittenden County (1): 1114 N Missouri St, West Memphis 72301
- Pulaski County (1): 8411 Interstate 30, Little Rock 72209
Louisiana (1 office)
- Orleans Parish (1): 1726 Oretha Castle Haley Blvd, New Orleans 70113
Tennessee (2 offices)
- Shelby County (2): 1451 Madison Ave, Memphis 38104; 2923 Ridgeway Rd, Memphis 38115
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by HOPE FEDERAL CREDIT UNION (NCUA charter 24829, filed as “HOPE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $627.2 million, 51,710 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 28.4% from $488.3 million on 30 Jun 2025 |
| Members | 49,735 (as of 30 Jun 2026); 40,628 (as of 30 Jun 2025) |
| Loans per member | $12,610 (total loans divided by members, 30 Jun 2026) |
| Total assets | $881.4 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $8.6 million | 1.4% |
| Used vehicle loans | $23.2 million | 3.7% |
| First-lien home mortgages (1-4 family) | $284 million | 45.3% |
| Other real estate loans (junior liens, other) | $4.3 million | 0.7% |
| Commercial (business) loans | $291.8 million | 46.5% |
| Credit cards | $1.7 million | 0.3% |
| Other unsecured loans | $6.7 million | 1.1% |
| Leases and other secured loans | $6.9 million | 1.1% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025HOPE FEDERAL CREDIT UNION reported 623 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $85.4M (median loan about $125,000). 585 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 585 | 94% |
| Refinance (incl. 17 cash-out) | 20 | 3.2% |
| Home improvement | 16 | 2.6% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 579 | 93% |
| FHA-insured | 38 | 6.1% |
| VA-guaranteed | 4 | 0.6% |
Included above: 13 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 84 counties with at least one; 61% of its 2025 loans were for properties in Mississippi:
- Hinds County, MS (60)
- Shelby County, TN (41)
- Madison County, MS (40)
- Mobile County, AL (34)
- Harrison County, MS (30)
- Jefferson County, AL (26)
- Jefferson Parish, LA (26)
- Sunflower County, MS (25)
Filed under LEI 5493008Q3XBC7O0Q4X02 as “HOPE FEDERAL CREDIT UNION”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $881.4 million | Larger than 100% of the 6 other certified credit unions in Mississippi (median $118.9 million). |
| Loans as a share of assets | 71% | Median of the same 6 credit unions: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $488.3 million → $627.2 million (+28%) | Median change of 6 other certified credit unions in Mississippi: +2%. Rank by loans held among these 7: 1 → 1. |
| Home loans originated in 2025 (HMDA) | 623 | More than 88% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Mississippi | 6 | larger than 100% |
| Loans held then vs now | certified credit unions in Mississippi reporting both dates | 6 | rank 1 → 1 of 7 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 88% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Jackson and Mississippi
- Culleywood Capital LLCLoan fund · Jackson, MSAffordable housing development loans, Nonprofit / community facility loans, Small-business loansVerified
- Hope Enterprise CorporationLoan fund · Jackson, MSAuto / vehicle loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Magnolia Federal Credit UnionCredit union · Jackson, MSAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Home mortgagesVerified
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
Work at HOPE FEDERAL CREDIT UNION? Link to this page
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