At a glance
From its website, read 2 Nov 2026Hopi Credit Association is a loan fund based in Keams Canyon, Arizona. Its website describes home repair loans, microloans, personal loans and 1 other loan type. Stated loan amounts run up to $100,000. Where it lends: Hopi tribal members residing on the Hopi Reservation. The business loan rate it states is 10%. It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | hopicredit.us |
|---|---|
| Office (official list) | P.O. Box 1259, Keams Canyon, AZ 86034 |
What their website says about applying
Our help begins when you fill out and complete a loan application.
sourcePeddlers permit or business license
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 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home repair / improvement loans | Rate stated, not as an APR: see their wording | Fixed Rate: 7.25-9.0% based on credit history | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | Fixed Rate: 10 – 18% based on credit history | source |
| Small-business loans | Rate: 10% | Fixed Rate: 10% | 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
- Collateral required
All loans must be secured by collateral.
source - Low or damaged credit considered
who can work with higher-risk borrowers, including those who do not qualify for bank financing.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | Yes |
| Date certified (as listed) | 23 Jul 2026 |
| RSSD ID | — (none listed) |
| Address | P.O. Box 1259, Keams Canyon, AZ 86034 |
| Website | hopicredit.us |
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 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Loan amounts are listed on product pages, but no online application or non-English service is stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home repair / improvement loans | up to $10,000 | Up to $10,000.00, any amount of over $10,000.00 will be considered as a home construction loan. | source |
| Microloans | up to $5,000 | HCA also makes available small microenterprise loans in amounts up to $5,000.00. | source |
| Personal / consumer loans | up to $5,000 | Up to $5,000.00 | source |
| Small-business loans | up to $100,000 | : up to $100,000.00 | source |
Loan sizes
: up to $100,000.00
sourceHCA also makes available small microenterprise loans in amounts up to $5,000.00.
sourceUp to $5,000.00
sourceUp to $10,000.00, any amount of over $10,000.00 will be considered as a home construction loan.
source
Range used for the size filter: not stated to $100,000
Service area
Hopi tribal members residing on the Hopi Reservation
providing a range of financial products and development services to Hopi tribal members residing on the Hopi Reservation.
source
Borrower focus
- Native American / Alaska Native / Native Hawaiian
To qualify, you must be enrolled with the Hopi Tribe, reside on the Hopi reservation*, and have verifiable income.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Is there a minimum loan amount?
Their website gives a maximum ($100,000) but no minimum. - What is the APR, including fees, on your home repair loans and personal loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - 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$6.5 million in 14 awards from the U.S. Treasury's CDFI Fund, 1998–2022 (7 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2021 | CDFI Rapid Response Program | $200,000 |
| 2020 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
| 2015 | Native American CDFI Assistance (NACA), Financial Assistance | $800,000 |
| 2014 | Native American CDFI Assistance (NACA), Financial Assistance | $750,000 |
| 2013 | Native American CDFI Assistance (NACA), Financial Assistance | $750,000 |
| 2010 | Native American CDFI Assistance (NACA), Technical Assistance | $130,922 |
| 2009 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $789,949 |
| 2008 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $409,151 |
| 2007 | CDFI Program, Financial Assistance | $557,500 |
| 2004 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $440,000 |
| 2000 | CDFI Program, Financial Assistance | $500,000 |
| 1999 | CDFI Program, Technical Assistance | $40,000 |
| 1998 | CDFI Program, Financial Assistance | $500,000 |
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.
Size of the fund (IRS Form 990)
Fiscal year ending Dec 2023| Total assets | $3.2M |
|---|---|
| Total liabilities | $958,400 |
| Net assets | $2.2M |
| Total revenue | $382,832 |
| Notes and loans receivable, net (Part X line 7) | $800,384 |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 86-6053269, filed as “HOPI CREDIT ASSOCIATION”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Dec 2020 (990) | $2.8M | $2M | $221,289 | $983,855 |
| Dec 2021 (990) | $2.6M | $2M | $382,272 | $864,756 |
| Dec 2022 (990) | $2.9M | $2.1M | $601,812 | $850,134 |
| Dec 2023 (990) | $3.2M | $2.2M | $382,832 | $800,384 |
Total assets grew 11% from Dec 2020 to Dec 2023; notes and loans receivable fell 19%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $100,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 18% of these 184. |
| Total assets, latest IRS Form 990 | $3.2M | Larger than 40% of the 5 other certified loan funds and venture funds in Arizona with a matched Form 990 (median $4.2M). |
| Business loan rate its website stated (2 Nov 2026) | 10.00% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 3 pts above prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 18% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Arizona | 5 | larger than 40% |
“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; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section). Prime rate: FRED DPRIME.
Other certified CDFIs in Keams Canyon and Arizona
- Avenir Financial Federal Credit UnionCredit union · Yuma, AZAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Champions Funding, LLCLoan fund · Gilbert, AZHome mortgagesVerified
- First American Credit UnionCredit union · Casa Grande, AZAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loansVerified
- Growth Partners ArizonaLoan fund · Tucson, AZNonprofit / community facility loans, Small-business loansVerified
- MariSol Federal Credit UnionCredit union · Phoenix, AZAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- MicroCare Community Development SolutionsLoan fund · Tucson, AZMicroloans, Personal / consumer loansVerified
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