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Savings Accounts

A primary part of HOPE’s mission is to help people keep more of what they make and save for the future. Our savings accounts give you the tools to do just that.

Open My Account

These low-cost options provide plenty of ways to help you build a reserve fund.

Plan for a vacation, save for a child’s education, or build a nest egg for retirement. No matter what your needs, we have a solution for you.

HOPE Savings Account

0.25

%

APY

HOPE 24-Month Certificate

1.78

%

APY

Find the Best Savings Account for You

All HOPE Savings Accounts Offer:

  • Free Digital Banking (Online and Mobile)1
  • Free Remote Check Deposit
  • Free HOPE24 Telephone Banking
  • Free E-Statements
  • Free HOPEAnytime ATM Card
  • Free Direct Deposit
  • Automatic Transfers
  • Shared Branching Network Access
  • Federally Backed Security

Open Account Online

 

1Wireless carrier text and data fees may apply.

Savings Accounts

Ideal for short- to medium-term goals with competitive rates and the security of federally insured deposits.

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Individual Retirement Accounts

Make ongoing contributions and earn a competitive rate of return over time.

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Money Market

Designed for easy access to savings at a competitive rate.

Learn More

Share Certificates

A healthy investment choice for the time committed investor.

Learn More

Holiday Club

Avoid the financial stress of the holidays by saving a little bit all year long.

Learn More

Wealth Building Account Comparison Chart

Savings AccountClub AccountIndividual Retirement AccountShare CertificatesMoney Market Accounts
Opening Balance Requirement$15$10Share Certificate – $500
IRA – $25		$1,000$1,000
Minimum Balance$15$0$0N/A$1,000
Monthly Fee$0$0$0$0$9.95
(Waived with $1,000 Minimum Balance)
Electronic Transactions✓✓✓
Paper Checks✓
TransactionsTeller Withdrawal – 3/month
ATM Withdrawal – 3/month		Funds Disbursed 10/31 Each Year
($10 Fee for Early Disbursement)		Penalty for Early WithdrawalPenalty for Early Withdrawal6 per Month
(Fee for Overage)
Free HOPENet Online Banking✓✓✓✓✓
Free HOPE Mobile Banking1✓✓✓✓✓
Free E-Statements✓✓✓✓✓
Automatic Transfers and/or Drafts✓✓✓
Free HOPEAnytime ATM Card✓
Free Direct Deposit✓✓✓
Federally Backed Security✓✓✓✓✓
Shared Branching Network Access✓✓✓
More>More>More>More>More>

3 Easy Ways to Open an Account

1

Open Online

It’s quick and convenient to open your account online with our easy-to-use application.

Open Account
2

Visit a branch

Stop by your nearest branch and open your account with a representative.

Find a Branch
3

Call Us

Our friendly team members are ready to help you get started over the phone.

Contact Us

Why Open a Savings Account with Hope Credit Union?

Free Services Icon

Free Services

All our savings accounts offer free HOPENet online banking, mobile banking5 and e-Statements.

Solid Rates Icon

Solid Rates

We help you keep more of your money and earn more on it with solid interest rates on balances as low as $100.

Safe & Secure Icon

Safe & Secure

Hope Credit Union is federally insured up to $250,000 by the National Credit Union Administration.

Opportunities For All Icon

Opportunities For All

Everyone deserves access to low-cost savings solutions. Our account options can help you reach your financial goals.

Member Success Stories

The power of HOPE enables our members to live their best lives. See how we’ve empowered their financial success—and how we can help you too.

  • They made it easy for me. I want to work with people like HOPE—people who are concerned about me. I’ve never had this many benefits from a bank. I am proud to say I’m with HOPE.

    Louis W.

    Mississippi

  • It was a relief to work with an institution that had open arms instead of one that put up barriers.

    J. D.

    Tennessee

  • I chose to go through HOPE because it was always a bigger picture situation for me. HOPE aligns itslef to help people.

    Jason C.

    Mississippi

Frequently Asked Questions

Do you have questions about how to save for a brighter financial future with HOPE. The information here may provide the answers you need.

How do I open a savings account?

You can open a checking account online or in-person at a branch. We can also provide assistance and help you get started over the phone.

What type of information do I need to open a savings account?

When opening a savings account, you will need:

  • Two forms of ID (one photo ID)
  • Proof of Address (if current address is different than shown on ID)
  • Check or Money Order (or Cash at branches only) for:
    • Membership Fee: $10
    • Initial Deposit: Minimum $15 in a basic savings account
    • Deposits for any additional accounts you wish to open.

How long does it take to open a savings account?

It takes minutes to open your checking account online or in person.

I have a bad, limited or no credit history. Can I still open a savings account?

At Hope Credit Union, we believe in equal access to economic opportunities, and we seek to provide financial assistance whenever possible to those who are just starting out or rebuilding. Our savings accounts are great options for first-time account holders and people rebuilding their financial history.
Contact us to discuss your specific financial situation and see how we can help.

What’s included for free with my HOPE savings account?

All HOPE checking accounts feature:

  • Free HOPE digital banking (online and mobile)
  • Free HOPE24 telephone banking
  • Free e-statements
  • Free HOPEAnytime ATM card
  • Free direct deposits
  • Free automatic transfers
  • Free access to our shared branch network
  • Federally backed insurance from the National Credit Union Administration

Contact Us

If you have questions or need additional information about a savings account, send a note to your closest branch.