Free checking that pays you huge rates in cash!

Look what else you get each month:

  • No minimum balance to earn the rewards
  • Free online banking
  • Free online bill pay
  • Federally insured up to $250,000 by the NCUA
Open a Free Account Now!
Kasasa Cash
3.01%APY*paid on the portion of the balance up to $10,000.00 if qualifications are met

Just meet these easy qualifications to get your rewards:

  • Have at least 12 check card purchases post and settle (ATM usage does not count toward the 12 purchases)
  • Have 1 Automatic Payment or Direct Deposit post and settle
  • Be enrolled and receive e-statement notice
  • Be enrolled and log into online banking

If there's a month you don't qualify, don't worry! You still have a free account that earns a base rate of:

0.10%APY*paid on the entire balance if qualifications are not met

Plus, you can qualify for higher rate the very next month.

Add
1.01%APY*paid on the portion of the balance up to $10,000.00 if qualifications are met
0.10%APY*paid on the entire balance if qualifications are not met

Just meet these easy qualifications to get your rewards:

  • Have at least 12 check card purchases post and settle (ATM usage does not count toward the 12 purchases)
  • Have 1 Automatic Payment or Direct Deposit post and settle
  • Be enrolled and receive e-statement notice
  • Be enrolled and log into online banking

Remember, there are no penalties if you don't qualify and you still have two FREE accounts that earn cash at a base rate. Plus, you can qualify next month!

About Us

Hope Credit Union is not your ordinary credit union.

Started in 1995 as a small church project with big dreams, HOPE is a community development credit union that helps low- and moderate-income people build a solid financial foundation for a better future.

The credit union grew out of a desire to foster asset development, cooperation and self-empowerment among low-income Jackson residents. HOPE also sought to promote savings and community reinvestment in distressed communities, educate youth about economics and finance, and provide greater access to financial services for its members.

In August 2002, after a long tradition of collaboration, Enterprise Corporation of the Delta (now Hope Enterprise Corporation) became the credit union’s primary sponsor. One of the nation's leading community development financial institutions, HOPE provides commercial, mortgage and community facilities loans in economically distressed areas of Arkansas, Louisiana, Mississippi, and Tennessee. This alliance has made both organizations stronger and enabled the credit union to significantly expand its scope of products and services, and begin delivering its services to a much broader geography.

In 2005, HOPE was recognized as the fastest growing credit union in the nation for building its deposits. HOPE ranked fifth in the nation for largest increase in membership growth during 2006.

HOPE has continued to expand with recent mergers. At the end of 2008, HOPE merged with College Station Federal Community Credit Union, an organization located in College Station, Arkansas, with a 50-year history. Another 50-year-old institution, American Savings Credit Union, became part of HOPE on January 1, 2009. Based in Memphis, Tennessee, ASCU helped expand HOPE's reach across the Mid South with 17,000 additional members and five new branches. And HOPE recently joined forces with East Central Community Federal Credit Union, with branches in Louisville and Macon, Mississippi.

Since 1994 HOPE has generated more than $1.6 billion in financing and brought economic opportunities to more than 90,000 people in economically distressed areas across the Mid South. Currently serving nearly 30,000 members, HOPE continues to strengthen communities, build assets, and improve lives in economically distressed communities across the Mid South.

For more information call HOPE at 1-866-321-HOPE (4673) or visit us on the web at www.hopecu.org.

Learn more about Hope Credit Union
Contact Us

If you have a question or comment, please contact us.

Hope Credit Union

1-866-321-HOPE (4673)

Locations
Membership Requirements

It's easy. It's open to everyone.

And it's only $10 for life!

As a community development credit union, HOPE membership is not limited to any particular group or geography. Membership is open to both individuals and organizations that want to take advantage of our full range of products and services, from checking and savings accounts to personal, mortgage or business loans.

$5 of your $10 lifetime membership fee goes to the Hope Enterprise Corporation, a 501(c)(3) non-profit, and is tax deductible.

*APY=Annual Percentage Yield. APYs accurate as of 03/01/2013. Rates may change after account is opened. No minimum balance to open an account. Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher; (2) balances up to $10,000 receive APY of 3.01%; and (3) balances over $10,000 earn 0.50% dividend rate on the portion of the balance over $10,000, resulting in 3.01% - 0.73% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.10% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. Transfers between accounts do not count as qualifying transactions. ATM withdrawals do not count as qualifying debit card transactions. The qualification cycle is not the same as your monthly statement cycle. Qualification Cycle defined as the last calendar day of the previous month through the next to the last calendar day of the current month (example: March 31 - April 29). Contact us for more information about the qualification cycle. The advertised Kasasa Cash APY is based on compounding dividends. Dividends earned in Kasasa Cash are automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual dividend amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $10,000 in Kasasa Saver receive an APY of 1.01%; and (2) balances over $10,000 in Kasasa Saver earn 0.50% dividend rate on portion of balance over $10,000, resulting in 1.01% - 0.52% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.10% APY. At our discretion, we may change the dividends paid on all tiers, and/or cap at any time. Fees may reduce earnings. Members are limited to one Kasasa checking account as a primary account holder. No commercial account may participate in this program.