--- title: "Hope Credit Union: #1 New Auto Loan in Mississippi" description: "Hope Credit Union has the lowest tracked new-car loan rate in Mississippi (8.75% APR) among 13 credit unions we verify. Hope Credit Union rates today: auto loans from 8.75% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Hope Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/mississippi/hope" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Hope Credit Union: #1 New Auto Loan in Mississippi ### Auto & vehicle rates 7 offers | Product | Published | Rate | Term / condition | Status | | **60-Month New Auto Loan** auto_new_60mo | — APR | 7.171% | 60 mo · new | Standard | | **Vehicle Loans - New (Up to 2 Years Old)** auto_new_84mo | — APR | 7.571% | 84 mo · new | Standard | | **60-Month Used Auto Loan** auto_used_60mo | — APR | 8.175% | 60 mo · used | Standard | | **Vehicle Loans - Used (More Than 2 Years Old)** auto_used_72mo | — APR | 8.572% | 72 mo · used | Standard | | **72-Month New Auto Loan** auto_new_72mo | — APR | 8.751% | 72 mo · new | Standard | | **84-Month New Auto Loan** auto_new_84mo | 8.751% APR | 9.571% | 84 mo · new | Standard | | **72-Month Used Auto Loan** auto_used_72mo | — APR | 9.572% | 72 mo · used | Standard | Hope Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 13.250% | — | Standard | Hope Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured / Signature 3** personal_unsecured_48mo | — APR | 7.500% | 48 mo | Standard | Hope Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 13.250% | — | Standard | Hope Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 14 offers | Product | Published | Rate | Term / condition | Status | | **When Qualifications not met** savings | — APY | 0.10% | — | Standard | | **On balances of at least $100 up to $100,000** cd_60mo | — APY | 0.25% | 60 mo | Standard | | **IRA** ira | — APY | 0.25% | — | Standard | | **On balances over $100,000** cd_60mo | — APY | 0.25% | 60 mo | Standard | | **On balances over $10,000 4** savings | — APY | 0.50% | — | Standard | | **Balances of $50,000.01 or greater 4** savings | — APY | 1.50% | — | Standard | | **Balances of $10,000.01 – $50,000 4** savings | — APY | 1.50% | — | Standard | | **Nonprofit Bonus Rate Savings Account 3** savings | — APY | 2.10% | — | Eligibility restricted | | **$100,000- $499,999** savings | — APY | 2.25% | — | Standard | | **Over $500,000** savings | — APY | 2.25% | — | Standard | | **18-Month IRA Certificate** ira_cd_18mo | — APY | 2.87% | 18 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | — APY | 2.96% | 60 mo | Standard | | **On balances up to $10,000 4** savings | — APY | 5.00% | — | Standard | | **Rewards Checking** checking | — APY | 5.00% | — | Standard | Hope Credit Union savings & cd rates as of November 13, 2026 ### Other rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Transformational Deposits (Not available on 6-month term.)** other | — % | 0.250% | — | Standard | | **Transformational Deposits** other | — % | 0.250% | — | Standard | | **On balances up to $10,000 When Qualifications are Met 4** other | — % | 1.000% | — | Standard | | **84 Months 3** other | — % | 7.571% | — | Standard | Hope Credit Union other rates as of November 13, 2026 Auto loans available from 8.751% APR for 84 months. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/mississippi/hope) , verified from [Hope Credit Union's official website](https://www.hopecu.org/) Best product position **#1 of 13** new-car loan Gap to state best **0 bp** State market leader Vs. state median **306 bp behind median** new-car loan Products ranked **1** across tracked Mississippi markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 8.75% | #1 of 13 · lowest in Mississippi | State market leader | 306 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Hope Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=hope&state=mississippi&code=MS&name=Hope%20Credit%20Union) Loading branch locator… ## About Hope Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 48.5K Assets $867.3M Founded 1995 Locations reported 26 NCUA charter 24829 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Brightview** Baptist Hospital · Jackson · MS · 39202 About 0.5 miles away](https://rateapi.dev/credit-unions/mississippi/brightview) [**Mississippi DHS** MS DHS FCU · JACKSON · MS · 39202 About 0.6 miles away](https://rateapi.dev/credit-unions/mississippi/mississippi-dhs) [**Mississippi Public Employees** Public Service Comm · Jackson · MS · 39201-1001 About 0.9 miles away](https://rateapi.dev/credit-unions/mississippi/mississippi-public-employees) [**Keesler** Jackson - MDOT · Jackson · MS · 39201-1010 About 0.9 miles away](https://rateapi.dev/credit-unions/mississippi/keesler) [**Healthplus** HEALTHPLUS · JACKSON · MS · 39216-4538 About 1.2 miles away](https://rateapi.dev/credit-unions/mississippi/healthplus) [**Treasury Employees** Treasury Emp Fed C U · JACKSON · MS · 39269 About 1.3 miles away](https://rateapi.dev/credit-unions/mississippi/treasury-employees) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Hope Credit Union Membership eligibility from Hope Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Hope Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Alabama State University, Amazon, DaVita Kidney Care, Philander Smith University Verified from [Hope Credit Union's membership page](https://www.hopecu.org/about-us/who-we-are/) . Final membership determination is always made by the credit union. ## Membership rules for Hope Credit Union Employers 4 4 published paths to membership, last verified November 8, 2026, quoted from Hope Credit Union’s own published criteria. ### Employers 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of Alabama State University “Welcome Alabama State University Employees” > [source ↗](https://www.hopecu.org/join-now/) - Employee of Alabama State University - Employee of Amazon “Welcome Amazon Employees!” > [source ↗](https://www.hopecu.org/join-now/) - Employee of Amazon - Employee of DaVita Kidney Care “HOPE for DaVita Kidney Care Employees” > [source ↗](https://www.hopecu.org/join-now/) - Employee of DaVita Kidney Care - Employee of Philander Smith University “Welcome Philander Smith University Employees” > [source ↗](https://www.hopecu.org/join-now/) - Employee of Philander Smith University Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Hope Credit Union? Yes No ## Work at Hope Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Hope Credit Union ranks against Mississippi peers. - See which AI assistants fetched Hope Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Mississippi - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=hope&state=mississippi&code=MS&name=Hope%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Hope Credit Union offer? Hope Credit Union currently offers Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Hope Credit Union rates updated? RateAPI verifies Hope Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Hope Credit Union's rate data? Rate data is collected directly from Hope Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Hope Credit Union's auto loan rates? As of November 13, 2026, Hope Credit Union offers auto loans from 8.751% APR. ### Who can join Hope Credit Union? Hope Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 4 employers for Hope Credit Union, each quoted from Hope Credit Union's own published membership criteria. ## Related Rate Data Compare Hope Credit Union's rates against national credit-union benchmarks. [More Mississippi credit unions](https://rateapi.dev/credit-unions/mississippi) [Mississippi auto loan rate leaders](https://rateapi.dev/auto-loan-rates/mississippi) [Mississippi HELOC rate leaders](https://rateapi.dev/heloc-rates/mississippi) [Mississippi personal loan leaders](https://rateapi.dev/personal-loan-rates/mississippi) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.hopecu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Hope Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Mississippi credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Hope Credit Union curl "https://api.rateapi.dev/credit-unions/mississippi /hope " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Hope Credit Union locations Search, filter, and browse all 26 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/mississippi/hope Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp