Credit union · NCUA insured
Hope Credit Union CD Rates
Hope Credit Union’s best CD rate is 4.95% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Hope Credit Union’s CD rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where Hope Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hope Credit Union
3.05%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $305
Share Certificates
Top rate
Paragon Bank
4.39%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $476
2nd-highest rate
UT Federal Credit Union
4.25%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $246
Hope Credit Union CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo3.05%
- 16–30 months16–30 mo2.87%
- 31–60 months31–60 mo2.94%
- QualifiedQualified3.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Hope Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Share Certificates
Up to 4.95%APY · 5 terms
Standard jumbo rates are available on deposits of $95,000 or more. Early withdrawal penalties apply to all certificate accounts. Insured up to $250,000 by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.75% | — |
| 12 months | 4.53% | — |
| 24 months | 4.82% | — |
| 36 months | 4.93% | — |
| 60 months | 4.95% | — |
Sources (2)
All captured Oct 15, 2026
Share Certificates
Up to 3.05%APY · 5 terms
Early withdrawal penalties apply to all certificate accounts. Insured up to $250,000 by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.75% | $38 |
| 12 months | 3.05% | $305 |
| 24 months | 2.87% | $581 |
| 36 months | 2.93% | $904 |
| 60 months | 2.94% | $1,559 |
Sources (2)
All captured Oct 15, 2026
Jumbo Transformational Deposits Certificate
0.35%APY
Available on deposits of $5,000,000 or more. Early withdrawal penalties apply. Insured up to $250,000 by NCUA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000,000 and up | 0.35% | — |
Sources (2)
All captured Oct 15, 2026
Transformational Deposits Certificate
0.25%APY · 1 term
Not available on 6-month term. High-impact certificates at below-market rates to help extend economic opportunities. Early withdrawal penalties apply. Insured up to $250,000 by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–60 monthsNot available on 6-month term. Available for 12, 24, 36, or 60 months | 0.25% | $25 |
Sources (3)
- hopecu.org/product/personal/savings/share-certificates
- hopecu.org/product/personal/sa…ransformational-deposits
- hopecu.org/rates
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Account Certificates
Up to 2.94%APY · 2 terms
Early withdrawal penalties apply to all certificate and IRA accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 2.87% | $433 |
| 60 months | 2.94% | $1,559 |
Sources (2)
All captured Oct 15, 2026
Who can join Hope Credit Union
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).
Membership information collected October 4, 2026.