Hope Credit Union Savings & Money Market Rates

How Hope Credit Union’s savings 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
1.01%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$100
HOPE Rewards Saving Plus Accounts
Top rate
Leaders Credit Union
3.50%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$350
Leaders Credit Union rates
2nd-highest rate
FirstBank
3.40%APY
Requires
Another account
Minimum
$50
Earns on $10,000 a year
$340
FirstBank rates

Compare savings rates near you →

86

Savings score

Higher than 75% of U.S. banks and credit unions

By balance

$1,000 balance$1,0001.01%
$10,000 balance$10,0001.01%
$100,000 balance$100,0002.28%
QualifiedQualified1.01%

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.

How the score works →

Where Hope Credit Union ranks

By savings score, in each area where it has branches

And 9 more areas →

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Money Market Account

0.25%APY$1,000 to open

$1,000 initial deposit and minimum balance. $9.95 monthly fee, waived with $1,000 minimum balance. Six withdrawals per month. Variable-rate account; rates may change after account is opened. Rates as of 10/1/26 and subject to change.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 – $100,000Non-Jumbo tier. Minimum opening deposit $1,000. $9.95 monthly fee waived with $1,000 minimum balance. Variable-rate account; rates may change after the account is opened. Rates as of 10/1/26 and subject to change.	0.25%	$25	Non-Jumbo tier. Minimum opening deposit $1,000. $9.95 monthly fee waived with $1,000 minimum balance. Variable-rate account; rates may change after the account is opened. Rates as of 10/1/26 and subject to change.
$100,000 – $500,000Jumbo tier $100,000- $499,999. Minimum opening deposit $1,000. $9.95 monthly fee waived with $1,000 minimum balance. Variable-rate account; rates may change after the account is opened. Rates as of 10/1/26 and subject to change.	2.28%	—	Jumbo tier $100,000- $499,999. Minimum opening deposit $1,000. $9.95 monthly fee waived with $1,000 minimum balance. Variable-rate account; rates may change after the account is opened. Rates as of 10/1/26 and subject to change.
$500,000 and upJumbo tier Over $500,000. Minimum opening deposit $1,000. $9.95 monthly fee waived with $1,000 minimum balance. Variable-rate account; rates may change after the account is opened. Rates as of 10/1/26 and subject to change.	2.28%	—	Jumbo tier Over $500,000. Minimum opening deposit $1,000. $9.95 monthly fee waived with $1,000 minimum balance. Variable-rate account; rates may change after the account is opened. Rates as of 10/1/26 and subject to change.

Sources (2)

All captured Oct 15, 2026

HOPE Rewards Saving Plus Accounts

Up to 1.01%APY

Variable-rate account; rates may change after the account is opened. Rates apply when qualifications are met.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000When qualifications are met.	1.01%	$100	When qualifications are met.
Any balanceWhen qualifications not met.	0.10%	$10	When qualifications not met.
$10,000 – $50,000When qualifications are met.	1.51%	—	When qualifications are met.
Over $50,000When qualifications are met.	1.51%	—	When qualifications are met.

Sources (1)

hopecu.org/rates · captured Oct 22, 2026

Transformational Deposits

0.25%APYMoney market$1,000 to open

Minimum opening deposit $1,000. Rates as of 10/1/26 and subject to change. Variable-rate account; rates may change after the account is opened.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMinimum opening deposit $1,000. Rates as of 10/1/26 and subject to change. Variable-rate account; rates may change after the account is opened. Transformational Deposits Non-Jumbo and Jumbo.Any balance	0.25%	$25	Minimum opening deposit $1,000. Rates as of 10/1/26 and subject to change. Variable-rate account; rates may change after the account is opened. Transformational Deposits Non-Jumbo and Jumbo.

Sources (2)

All captured Oct 15, 2026

HOPE Savings Account

0.25%APY$15 to open

Dividends on share accounts are set in arrears by the Board on a quarterly basis. Accounts earn dividends with a minimum balance of $100. $10 membership fee upon opening. Minimum $15 balance requirement. Limited to 3 teller withdrawals and 3 ATM withdrawals per month.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$100 – $100,000	0.25%	$25
$100,000 and up	0.25%	—

Sources (3)

All captured Oct 22, 2026

Special-purpose accounts

Nonprofit Bonus Rate Savings Account

2.12%APYBusiness

Variable-rate account; rates may change after the account is opened.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	2.12%	$212

Sources (1)

hopecu.org/rates · captured Oct 22, 2026

Individual Retirement Accounts - IRA Savings

0.25%APYIRA$25 to open

Traditional and Roth IRAs available. Early withdrawal penalties apply to IRA accounts. $25 minimum opening deposit requirement. Consult tax advisor for tax benefits guidance.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceEarly withdrawal penalties apply. Traditional and Roth options available.Any balance	0.25%	$25	Early withdrawal penalties apply. Traditional and Roth options available.

Sources (3)

All captured Oct 22, 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.

Check membership requirements ↗Branches and institution details