Savings Accounts

Make saving happen with our low-cost, wealth-building accounts.

Savings Accounts

Make saving happen with our low-cost, wealth-building accounts.

HOPE
Savings Account

0.25%APY 1

HOPE
12-Month Certificate

0.925%APY 1

Brighter Futures Begin with a HOPE Savings Account

Make yours happen with an affordable savings, share certificate, IRA or money market account.

Thousands of your neighbors across the Deep South—many who never had a bank account before—are making their lives better with a savings account at Hope Credit Union. You can, too. Whether you’re planning for a child’s education or your retirement, building an emergency fund or saving for the holidays, you’ll find affordable savings solutions—all with low minimums to open, solid rates and free online banking—to help you stay on track with your savings goals.

Speak with our team.
Request more information.

Savings Contact Form

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Choose the Loan That’s Right for You

Find the Best Savings Account for You

Savings Account

Establish your Hope Credit Union membership with our basic savings account and earn dividends on balances over $100.2,4

Share Certificates

Lock in a great rate and guaranteed savings with 6-, 12-, 24-, 36- and 60-month certificates that grow your balances over time.3

Individual Retirement Accounts (IRAs)

An IRA can help you save for retirement and can offer tax benefits. Choose from a Traditional or Roth IRA option—both with low minimums to open.3

Money Market Account

Enjoy flexible access to your money with up to six withdrawals per month while earning a higher rate than traditional savings accounts.4

3 Easy Ways to Open an Account

Brighter futures begin with HOPE, and we make it easy to start yours.

1

Open online

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

2

Visit a branch

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

3

Call us

Our friendly and knowledgeable team is ready to answer your questions and help you get started.

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1

Open Online

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

2

Visit a Branch

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

3

Call Us

Our friendly and knowledgeable team is ready to answer your questions and help you get started.
Open a savings account online now.

Brighter futures begin with Hope Credit Union.

Why Open a Savings Account with Hope Credit Union?

Free services

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

Solid rates

We know you work hard for your money, so we help you keep more—and earn more—on it with solid interest rates on balances as low as $100.

Safe and secure

Bank confidently knowing deposits at Hope Credit Union are federally insured up to $250,000 by the National Credit Union Administration.

Opportunities for all

We believe everyone deserves access to affordable savings solutions. Our low-cost account options help members reach financial goals.

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Free Services

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

Safe and Secure

Bank confidently knowing deposits at Hope Credit Union are federally insured up to $250,000 by the National Credit Union Administration.

Solid Rates

We know you work hard for your money, so we help you keep more—and earn more—on it with solid interest rates on balances as low as $100.

Opportunities for All

We believe everyone deserves access to affordable savings solutions. Our low-cost account options help members reach 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.

Frequently Asked Questions

You can open a savings account online, in a branch or by phone.

When opening a savings account at Hope Credit Union, 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

It takes minutes to open your savings account online, over the phone or in person.

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. Contact Us to discuss your specific financial situation and see how we can help.

Find a Hope Credit Union Branch Near You

Arba Street Branch

400 Arba Street
Montgomery, AL 36104
P: 334-834-7483
F: 334-834-2803

McGehee Road Branch

3421 McGehee Road
Montgomery, AL 36111
P: 334-604-4110
F: 334-604-4111

College Station Branch

4000 Gray Street, Suite B
College Station, AR 72053
P: 501-490-0646
F: 501-490-0424

Little Rock Branch

8411 I-30
Little Rock, AR 72209
P: 501-562-1060
F: 501-562-1027

West Memphis Branch

1114 Missouri Street
West Memphis, AR 72301
P: 870-735-8398
F: 870-732-5447

Central City Branch

1726 O. C. Haley Blvd.
New Orleans, LA 70113
P: 504-527-0688
F: 504-527-0691

Elysian Fields Branch

1635 Elysian Fields Avenue
New Orleans, LA 70117
P: 504-635-4475

Mississippi Coast Branch

188 Porter Avenue
Biloxi, MS 39530
P: 228-374-1554
F: 228-374-3387

Drew Branch

140 West Shaw Avenue
Drew, MS 38737
P: 662-745-0406

Greenville Branch

546 MLK Boulevard North
Greenville, MS 38701
P: 662-378-5744

Itta Bena Branch

120 Humphrey Street
Itta Bena, MS 38941
P: 662-254-0040
F: 662-254-0054

Medical Mall Branch

350 Woodrow Wilson, Suite 370B
Jackson, MS 39213
P: 601-362-8050
F: 601-713-0975

University Boulevard Branch

1748 University Boulevard
Jackson, MS 39204
P: 601-965-7100
F: 601-961-6780

Louisville Branch

16620 Main Street
Louisville, MS 39339
P: 662-773-3550
F: 662-773-3614

Moorhead Branch

917 West Delta Avenue
Moorhead, MS 38761
P: 662-246-8855
F: 662-246-8005

Shaw Branch

134 East Peeler Avenue
Shaw, MS 38773
P: 662-754-2070

Terry, MS Branch

109 West Cunningham Street
Terry, MS 39170
P: 601-878-0773
F: 601-878-9468

Utica Branch

106 East Main Street
Utica, MS 39175
P: 601-991-3336
F: 601-885-2137

West Point Branch

470 Commerce Street
West Point, MS 39773-7993
P: 662-494-7473
F: 662-494-6886

Crosstown Branch

1350 Concourse Avenue, Suite 115
Memphis, TN 38104
P: 901-354-7500
F: 901-354-7501

Harvester Lane Branch

3048 Harvester Lane
Memphis, TN 38127
P: 901-358-4496
F: 901-358-4518

Madison Avenue Branch

1451 Madison Avenue
Memphis, TN 38104
P: 901-721-8124
F: 901-721-8133

Ridgeway Branch

2923 Ridgeway Road
Memphis, TN 38115
P: 901-795-8980
F: 901-794-1872

Request more information.

Savings Contact Form

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  Disclaimers

¹Rates are subject to change. APY is Annual Percentage Yield. Fees could reduce earnings.
²Dividends on share accounts are set in arrears by the Board on a quarterly basis. Accounts earn dividends with a minimum balance of $100.
³Early withdrawal penalties apply to all certificate and IRA accounts.
⁴Variable-rate account. Rates may change after the account is opened.

⁵Wireless carrier message and data rates may apply.