Hopes Employees


84 Hopkins Ave
Jamestown, NY 14701
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Hopes Employees is an NCUA insured institution located in Jamestown, NY. It was founded in 1940 and has approximately $0.62 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 3703
Date Established 1940
Assets $0.62 million
Loans $0.45 million
Deposits $0.59 million
Capital $0.02 million

Deposit Rates - September 19, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Hopes Employees

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Note to Hopes Employees
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Loan Rates - September 19, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for HOPES EMPLOYEES

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
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Rocket Mortgage
NMLS ID: 3030
3.359% 3.250% 0.88 $3,438 $1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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2.990 %
After Intro: 3.750 %
Intro Period: 12 months
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BMO Harris Bank
BMO Harris Bank
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1.790 %
After Intro: 4.840 %
Intro Period: 6 months
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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To upload and update your bank's rates please register. It is free to register and add rates.



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Financial Details

Hopes Employees Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Hopes Employees. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Hopes Employees U.S. Average
12.87% 4.38

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2021, Hopes Employees had $6,254 in non-current loans and $0 in owned assets. To cover these potential losses it had $21,950 in net worth and $26,651 in loans loss reserves. That gives it a Texas Ratio of 12.87%.

Net Worth
Hopes Employees U.S. Average
3.56% 12.20%

Hopes Employees FCU has a net worth of 3.56% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Hopes Employees

Branches and Savings

What is Hopes Employees?

A federal credit union, registered with the NCUA under certificate #3703.
Learn more about credit unions here.

Is Hopes Employees FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Hopes Employees is insured by the NCUA.

Who can join Hopes Employees?

Please see Field of Membership information above for information on who is eligible to join.

What are Hopes Employees's share account and share certificate rates?

Hopes Employees's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Hopes Employees?

Hopes Employees has total capital of $0.02 million. Full information on Hopes Employees's financial position is located above.

Who owns Hopes Employees?

Credit Unions are owned by their members.

Where are Hopes Employees branches located?

See branch locations nearby.

Are Hopes Employees ATMs Open 24/7?

Do Hopes Employees ATMs accept cash deposits?

Can Hopes Employees customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Hopes Employees have a mobile app?

Does Hopes Employees have mobile deposit?

Does Hopes Employees have quick pay?

How can Hopes Employees transfer money to other banks or credit unions?

Does Hopes Employees report to credit bureaus?

Does Hopes Employees use Chexsystems?

Does Hopes Employees use Equifax?

What is Hopes Employees's toll free phone number?

What is Hopes Employees's ACH Routing Number?

What is Hopes Employees's SWIFT code?

Where can I find Hopes Employees's wire transfer form?

What is the Hopes Employees address for deposits?

What Products Does Hopes Employees Offer

Does Hopes Employees offer mortgages?

Compare mortgage rates here.

Does Hopes Employees offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Hopes Employees offer auto and RV loans?

Compare auto loan rates here.

Does Hopes Employees offer student loans or personal loans?

Compare personal loan rates here.

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