What are the current interest rates at Hope Federal Credit Union Jackson, MS?

Current rates for Hope Federal Credit Union Jackson, MS include: 12-Month CD: 3.04%, 18-Month CD: 2.87%, 24-Month CD: 2.87%, 60-Month CD: 2.94%, Savings: 2.12%, MMA: 2.27%

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Hope Federal Credit Union Jackson, MS

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Hope Federal Credit Union Jackson, MS Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hope Federal Credit Union Jackson, MS provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Hope Federal Credit Union Jackson, MS's top rates as of October 13, 2026 are 4.95% APY on its 60 Month CDs (CDs) - Jumbo CD, 2.12% APY on savings, 2.27% APY on money market accounts, 5.13% APY on checking, personal loans from 7.50% APR, and credit cards from 13.25% APR, according to rates verified by MonitorBankRates. Other Hope Federal Credit Union Jackson, MS CD rates include 36 Month CDs (CDs) - Jumbo at 4.93%, 24 Month CDs (CDs) - Jumbo at 4.82%, and 12 Month CDs (CDs) - Jumbo at 4.53%. MonitorBankRates evaluates the financial stability of Hope Federal Credit Union Jackson, MS with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.78%. Rates last updated and verified on 10/13/2026.

Hope Federal Credit Union Jackson, MS money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Hope Federal Credit Union Jackson, MS? Share your experience about Hope Federal Credit Union Jackson, MS by leaving a review below, or read customer reviews before you decide to use Hope Federal Credit Union Jackson, MS.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.78%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Hope Federal Credit Union Jackson, MS
Hope Main Office

4 Old River Pl
Jackson, MS 39202-3431

https://hopecu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Hope Federal Credit Union Jackson, MS CD Rates

Product	Rate	APY	Term
60 Month Share Certificates (CDs) - Jumbo	4.83%	4.948%	60-Month
Min Deposit $1,000 Min Balance $95,000 Details Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.95% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
36 Month Share Certificates (CDs) - Jumbo	4.81%	4.927%	36-Month
Min Deposit $1,000 Min Balance $95,000 Details Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.93% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
24 Month Share Certificates (CDs) - Jumbo	4.71%	4.822%	24-Month
Min Deposit $1,000 Min Balance $95,000 Details Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.82% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
12 Month Share Certificates (CDs) - Jumbo	4.43%	4.529%	12-Month
Min Deposit $1,000 Min Balance $95,000 Details Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.53% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
12 Month Share Certificates (CDs)	3.00%	3.045%	12-Month
Min Deposit $1,000 Details Early withdrawal penalties apply to all certificate and IRA accounts. Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
60 Month Share Certificates (CDs)	2.898%	2.94%	60-Month
Min Deposit $1,000 Details Early withdrawal penalties apply to all certificate and IRA accounts. Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 2.66% → 2.94% ▲ 0.28 pts · high 2.94% / low 2.66% Oct 13, 20262.94%▲ from 2.66% Sep 18, 20262.66%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
IRA 60-Month Certificate	2.898%	2.94%	60 months
Details Individual Retirement Accounts Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.66% → 2.94% ▲ 0.28 pts · high 2.94% / low 2.66% Oct 9, 20262.94%▲ from 2.66% Sep 14, 20262.66%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
36 Month Share Certificates (CDs)	2.866%	2.928%	36-Month
Min Deposit $1,000 Details Early withdrawal penalties apply to all certificate and IRA accounts. Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 2.59% → 2.93% ▲ 0.34 pts · high 2.93% / low 2.59% Oct 13, 20262.93%▲ from 2.59% Sep 18, 20262.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
24 Month Share Certificates (CDs)	2.826%	2.866%	24-Month
Min Deposit $1,000 Details Early withdrawal penalties apply to all certificate and IRA accounts. Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 2.55% → 2.87% ▲ 0.32 pts · high 2.87% / low 2.55% Oct 13, 20262.87%▲ from 2.55% Sep 18, 20262.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
IRA 18-Month Certificate	2.826%	2.866%	18 months
Details Individual Retirement Accounts Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.55% → 2.87% ▲ 0.32 pts · high 2.87% / low 2.55% Oct 9, 20262.87%▲ from 2.55% Sep 14, 20262.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
6 Month Jumbo Share Certificates (CDs)	0.75%	0.753%	6-Month
Min Deposit $1,000 Min Balance $95,000 Details Jumbo rate; standard jumbo rates available on deposits of $95,000 or more Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
6 Month Share Certificates (CDs)	0.75%	0.753%	6-Month
Min Deposit $1,000 Details Not available on jumbo rates Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
6 month Share Certificates (CDs) - Transformational Deposits	0.25%	0.25%	6 months
Min Deposit $1,000 Details Not available on 6-month term Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%

Hope Federal Credit Union Jackson, MS Savings Rates

Product	Rate	APY	View More
Nonprofit Bonus Rate Savings Account	2.10%	2.122%
Details Variable-rate account; rates may change after the account is opened. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.12% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%

Hope Federal Credit Union Jackson, MS Money Market Rates

Product	Rate	APY
Money Market Account	2.25%	2.275%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-$499,999; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 2.12% → 2.28% ▲ 0.15 pts · high 2.28% / low 2.12% Oct 9, 20262.28%▲ from 2.12% Sep 18, 20262.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
Money Market Account	2.25%	2.275%
Min Deposit $1,000 Min Balance $500,000 Details Balance: Over $500,000; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 2.12% → 2.28% ▲ 0.15 pts · high 2.28% / low 2.12% Oct 9, 20262.28%▲ from 2.12% Sep 18, 20262.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
Money Market Account	0.25%	0.25%
Min Balance $1,000 Details Non-Jumbo; Balance: $1,000 Minimum Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 2.12% → 0.25% ▼ 1.87 pts · high 2.12% / low 0.25% Oct 9, 20260.25%▼ from 2.12% Sep 21, 20262.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%

Hope Federal Credit Union Jackson, MS Checking Rates

Product	Rate	APY	View More
HOPE Rewards Checking and Checking Plus Accounts	5.00%	5.127%
Details Qualifications Required; Qualifying balance up to $10,000.00; When qualifications are met Last Updated 10/13/2026 Rate History 2 changes since Sep 18, 2026 · 5.13% → 5.13% ▼ 0.00 pts · high 5.13% / low 0.10% Oct 13, 20265.13%▲ from 0.10% Sep 21, 20260.10%▼ from 5.13% Sep 18, 20265.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%

Hope Federal Credit Union Jackson, MS Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loans - New (Up to 2 Years Old)	-	-	7.571%	84 Months
Details Published APR range: 7.571% - 18.000%. As Low As; Term of 84 months only available for vehicles up to 2 years old and loan amounts of at least $35,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.57% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
Vehicle Loans - Used (More Than 2 Years Old)	-	-	8.572%	72 Months
Details Published APR range: 8.572% - 18.00%. As Low As Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.57% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%

Hope Federal Credit Union Jackson, MS Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	13.25%
Details Published APR range: 13.25% - 18.00%. Maximum Amount: Credit Limits of Up to $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%

Hope Federal Credit Union Jackson, MS Personal Loan Rates

Product	APR	Term	View More
Unsecured / Signature Loan	7.50%	48 Months
Details Published APR range: 7.50% - 18.00%. Maximum Amount: 20% of Gross Income - Depends on Credit Score Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%

Hope Federal Credit Union Jackson, MS Other Rates

Product	Rate	Points	APY/APR	Term
Borrow and Save Loans	-	-	8.50%	12 Months
Details Published APR range: 8.50% - 18.00%. Maximum Amount: $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
HOPE Rewards Saving Plus Accounts	1.50%	-	1.511%
Min Balance $10,000 Details Qualifications Required; Balance: $10,000.01 - $50,000.00; When qualifications are met; Variable-rate account; rates may change after the account is opened Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
HOPE Rewards Saving Plus Accounts	1.50%	-	1.511%
Min Balance $50,000 Details Qualifications Required; Balance: $50,000.01 and over; When qualifications are met; Variable-rate account; rates may change after the account is opened Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
HOPE Rewards Saving Plus Accounts	1.00%	-	1.005%
Details Qualifications Required; Balance: $0.00 - $10,000.00; When qualifications are met; Variable-rate account; rates may change after the account is opened Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 1.01% ▲ 0.90 pts · high 1.01% / low 0.10% Oct 13, 20261.01%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%
Jumbo Share Certificates (CDs) - Jumbo Transformational Deposits	0.35%	-	0.35%
Min Deposit $1,000 Min Balance $5,000,000 Details Available on deposits of $5,000,000 or more Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.78%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Hope Federal Credit Union Jackson, MS’s Texas Ratio fell from 10.60% in Q3 2023 to 7.78% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$881M	7.78%	5.0	A
March 31, 2026	$867M	6.51%	5.0	A
December 31, 2025	$857M	8.72%	5.0	A
September 30, 2025	$779M	7.39%	5.0	A
June 30, 2025	$739M	8.13%	5.0	A
March 31, 2025	$700M	7.24%	5.0	A
December 31, 2024	$683M	12.52%	5.0	A
September 30, 2024	$654M	12.41%	5.0	A
June 30, 2024	$620M	11.48%	5.0	A
March 31, 2024	$616M	6.19%	5.0	A
December 31, 2023	$579M	11.13%	5.0	A
September 30, 2023	$570M	10.60%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Hope Federal Credit Union Jackson, MS is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Hope Federal Credit Union Jackson, MS rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Hope Federal Credit Union Jackson, MS's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Hope Federal Credit Union Jackson, MS

Website https://hopecu.org

Address 4 Old River Pl, Jackson, MS 39202-3431

Phone 601-944-1100

Fax 601-944-0808

President Carolyn Gill-Jefferson

CEO William Bynum

Full-Time Employees 259

Part-Time Employees 25

Branch Locations 17

ATM Locations 22

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.78%

Return on Assets (ROA)

0.0136%

Return on Equity (ROE)

0.0843%

Non-Performing Loans Ratio (NPL)

1.96%

Total Assets

881,350,725

Total Amount of Shares and Deposits

628,808,666

Total Shares and Deposits < 1 Year

486,484,025

Total Shares and Deposits 1 3 Years

135,078,506

Total Shares and Deposits > 3 Years

7,246,133

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

124,390,937

Total Uninsured Shares and Deposits > $250K (F+J)

183,769,861

Total Insured Shares and Deposits > $250K (item 17 less item K)

445,038,805

Total Interest Expense (Sum of items 6 8)

8,777,627

Share Certificates

1,120

Number of Accounts for Share Drafts

20,729

IRA KEOGH Accounts

310

Number of Accounts for Regular Shares

35,174

All other shares

5,453

Non Member Deposits

287

Money Market Shares

710

Net Income (unless the amount is already included in Undivided Earnings)

120,202

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

69,094,704

Total Liabilities

879,820,008

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Hope Federal Credit Union Jackson, MS earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Hope Federal Credit Union Jackson, MS

How many branches does Hope Federal Credit Union Jackson, MS operate?

Hope Federal Credit Union Jackson, MS currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Hope Federal Credit Union Jackson, MS?

Yes, to access services at Hope Federal Credit Union Jackson, MS, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Hope Federal Credit Union Jackson, MS does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hope Federal Credit Union Jackson, MS provides members with tools to manage their accounts and build a solid financial history.

Does Hope Federal Credit Union Jackson, MS offer online and mobile banking?

Most modern institutions like Hope Federal Credit Union Jackson, MS provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://hopecu.org.

Current Hope Federal Credit Union Jackson, MS Rates

12-Month CD3.04%
18-Month CD2.87%
24-Month CD2.87%
60-Month CD2.94%
Savings2.12%
MMA2.27%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Hope Federal Credit Union Jackson, MS Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Hope Federal Credit Union Jackson, MS Texas Ratio

Hope Federal Credit Union Jackson, MS Health Trend

Hope Federal Credit Union Jackson, MS CD Rates

Hope Federal Credit Union Jackson, MS Savings Rates

Hope Federal Credit Union Jackson, MS Money Market Rates

Hope Federal Credit Union Jackson, MS Checking Rates

Hope Federal Credit Union Jackson, MS Auto Loan Rates

Hope Federal Credit Union Jackson, MS Credit Card Rates

Hope Federal Credit Union Jackson, MS Personal Loan Rates

Hope Federal Credit Union Jackson, MS Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Hope Federal Credit Union Jackson, MS earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Hope Federal Credit Union Jackson, MS

How many branches does Hope Federal Credit Union Jackson, MS operate?

Is a member application needed to join Hope Federal Credit Union Jackson, MS?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Hope Federal Credit Union Jackson, MS offer online and mobile banking?

Current Hope Federal Credit Union Jackson, MS Rates

Compare to Other Credit Unions