Credit union · NCUA insured
Hope Credit Union
A $867.3M credit union headquartered in Jackson, MS, with 48,472 members and 24 branches in 5 states. Best rates: CDs 4.95% and savings 1.01% APY.
Hope Credit Union Carrot Score
73
Carrot Score
Higher than 33% of U.S. banks and credit unions
#18 of 36 in Memphis, TN-MS-AR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Hope Credit Union
Organized in 1995 as a church-sponsored institution, Hope Credit Union is a member-owned cooperative and community development credit union.
HOPE serves Alabama, Arkansas, Georgia, Louisiana, Mississippi, and Tennessee, focusing on strengthening the financial health of people in under-resourced Deep South communities.
- Headquarters
- 4 Old River Pl, Jackson, MS 39202-3431
- NCUA charter
- 24829
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to individuals and organizations who join Hope Enterprise Corporation.
Cost to join
- The membership fee is $10 ($5 goes to Hope Enterprise Corporation, a 501(c)(3) non-profit, and is tax deductible).
Branches
24 branches in 5 states
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Mississippi
12 branches
Jackson area · 4
- Medical Mall350 W Woodrow Wilson Ave Ste 370B, Jackson, MS 39213Directions
- University Blvd1748 University Blvd, Jackson, MS 39204Directions
- Terry MS Branch109 W Cunningham Ave, Terry, MS 39170Directions
- Utica106 E Main St, Utica, MS 39175Directions
Gulfport area · 1
- Biloxi188 Porter Ave, Biloxi, MS 39530Directions
Drew area · 1
- Drew Branch140 W Shaw Ave, Drew, MS 38737Directions
Greenville area · 1
- Greenville546 Martin Luther King Dr, Greenville, MS 38701Directions
Greenwood area · 1
- Itta Bena120 Humphreys St, Itta Bena, MS 38941Directions
Louisville area · 1
- Louisville Branch16620 E Main St, Louisville, MS 39339Directions
Moorhead area · 1
- Moorhead917 W Delta Ave, Moorhead, MS 38761Directions
Cleveland area · 1
- Shaw Branch134 E Peeler Ave, Shaw, MS 38773Directions
West Point area · 1
- West Point470 Commerce St, West Point, MS 39773Directions
Tennessee
4 branches
- Crosstown1350 Concourse Ave Ste 115, Memphis, TN 38104Directions
- Harvester Lane3048 Harvester Ln E, Memphis, TN 38127Directions
- Madison Ave1451 Madison Ave, Memphis, TN 38104Directions
- Ridgeway Rd2923 Ridgeway Rd, Memphis, TN 38115Directions
Alabama
3 branches
Montgomery area · 2
- McGehee Rd, Montgomery3421 McGehee Rd, Montgomery, AL 36111Directions
- Montgomery400 Arba St, Montgomery, AL 36104Directions
Birmingham area · 1
- Parkway East9178 Parkway E, Birmingham, AL 35206Directions
Arkansas
3 branches
Little Rock area · 2
- College Station4000 Gray St, College Station, AR 72053Directions
- Little Rock Branch8411 Interstate 30, Little Rock, AR 72209Directions
Memphis area · 1
- West Memphis1114 N Missouri St, West Memphis, AR 72301Directions
Louisiana
2 branches
- Elysian Fields1635 Elysian Fields Ave, New Orleans, LA 70117Directions
- O.C. Haley1726 Oretha Castle Haley Blvd, New Orleans, LA 70113Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.18% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.96% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.03% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $100 | $76 | — |
- CapitalNet worth ratio16.18%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.96%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.03%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$100Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Hope Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.