Making a Transformational Deposit with HOPE means that people and places throughout the Deep South have access to financial services that provide jobs, housing, community infrastructure, asset development and address socio-economic challenges confronting one of the nation’s most impoverished regions.

2. When you make a Transformational Deposit, you ensure that people and places served by HOPE have
access to financial services that provide jobs, housing, community infrastructure, asset development and
address socio-economic challenges confronting one of the nation’s most impoverished regions.
HOPE Transformational Deposit
Description
Minimum Deposit
Term
Rates3
(APR/APY4)
Interest Earnings
1Variable-rate account; rates may change after the account is opened.
2Early withdrawal penalties apply to all share certificate accounts.
Share Certificate
Credit Union Equivalent of a
Bank Certificate of Deposit
$1,000
12, 24, 36, or 60 Months2
Money Market Account1
Hybrid Checking and Savings Account
with up to 6 Withdrawals per Month
$1,000
Demand Deposit Account
Paid Monthly, Quarterly, or Annually
Reinvested as Principal
Contributed to HOPE as a Tax-Deductible Donation
Federal Insurance Up to $250,000 Per Depositor
0.10%/0.10% 0.10%/0.10%
3Rates are subject to change. Rates effective as of 6/30/20. Fees could reduce earnings.
4”APY” is “Annual Percentage Yield”.

3. Driving Toward Financial Freedom
Shaw, MS
After recently returning to his family’s farm in
Mississippi to care for aging relatives, Larry found
himself in need of a car. The 77-acre farm is home to
chickens, hogs, goats and cows, but little else. And, it is
several miles from the facility where Larry found work.
He did not think he could get financing at a bank, but
decided to take a chance on HOPE, the only financial
institution located in the Town of Shaw. Larry says “his
credit score wasn’t the highest,” but HOPE’s team
provided the financing he needed to purchase a vehicle
to meet his transportation needs. He later received
financing for a mobile home to place on the farm
property. “Shaw is an island,” Larry says. “If it were not
for HOPE, people would have to drive 15 miles to get to
another financial institution.”
Larry Roberts

4. This is why your Transformational Deposit
is needed in Itta Bena, Mississippi
Ms. Dotson opened her first bank account
when she was 100 years old. She opened it
with HOPE.
Source: Rural Policy Research Institute; Center for Applied Research & Environmental Studies
Itta Bena has an estimated $1.2 million in total
community deposits. Even if HOPE had 100% of
market share, local deposits could only support
twelve home mortgages (avg. $100,000) or two small
business loans (avg. $600,000) in Itta Bena.
Transformational Deposits import capital into Itta
Bena and similar communities across the Deep South
– where wealth has been extracted for generations –
to fuel lending that puts communities on a pathway
towards realizing the kind of economic mobility seen
in X community shown above.
Indicator Itta Bena, MS United States
Median
Household Income
$20,417 $60,293
Unbanked
/Underbanked
44.3% 25.2%
Poverty Rate 42% 14.1%
Black (%) 91.6% 12.7%
Itta Bena, MS

5. With Transformational Deposits
we can realize the kind of future
growth projected below
Since 2008, HOPE has –
• Increased total assets from $129MM to $460MM.
• Originated more than 24,000 loans totaling nearly
$675MM.
• HOPE also finances community strengthening
projects proven to fuel upward mobility like
healthcare facilities that support 125,000+
patient visits,
• Schools that educate 8,000+ students
• And affordable housing for 3,300+ families.
While maintaining our focus on empowering
historically underserved people to build wealth
with –
• 90% of mortgages to first-time homebuyers.
• More than half of business loans to
entrepreneurs of color, female entrepreneurs and
in high poverty areas.

6. To Make A Transformational Deposit
Visit www.hopecu.org/support-our-work.
www.hopecu.org/transformational-deposit-rates/
3 Easy Steps to Open Transformational Deposit
1. Become a HOPE member
2. Complete form to open your Transformational Deposit
3. Deposit money in your Transformational Deposit
For assistance, contact our Investor Relations
Department at investor.relations@hope-ec.org or
call 877-654-4673 (HOPE). Our business hours are from
8:00 a.m. to 5:00 p.m. CT.

7. HOPE achieves its impact with the support of partners including individuals,
corporations, foundations and government agencies who invest in our work to create
opportunity where it is needed most.
What you can do:
• Make a tax deductible donation or grant to our 501(c)(3) at
www.hopecu.org/donate (donations can be of cash or stock, and made directly or
through an intermediary like a donor advised fund).
• Invest in a federally insured Transformational Deposit at HOPE, helping build wealth
in communities from which wealth has been extracted for generations at
www.hopecu.org/transform.
• Make a low cost, long term loan that grows and sustains HOPE’s impact (for
example, a PRI from private foundations or an equity investment as CRA credit for
banks)
To learn more about how you can fuel HOPE’s impact, please contact our Investor
Relations team at investor.relations@hope-ec.org or call 877-654-4673 (HOPE).
Join Us

8. Hope Policy Institute
Hope Policy Institute serves as the policy division of HOPE (Hope Enterprise
Corporation and Hope Credit Union). Through independent analysis grounded in the
experiences of HOPE’s programs and its members, the Policy Institute’s work is
directed towards the attainment of three outcomes in Deep South communities:
• an increase in overall investment;
• the deepening of financial inclusion among residents;
• an increase in the power and voice of local people to influence policy decisions
in ways that ensure economic opportunity for all and in particular people of
color.
HOPE’s intentional policy approach to advocacy recognizes that while each loan and
every account supported by HOPE is important, the effects are small relative to the
needs of the region. Only by influencing public policies and the practices of private
institutions is lasting, scalable impact achieved.

9. Brighter Futures Begin with HOPE.
Alabama . Arkansas . Louisiana . Mississippi . Tennessee
www.hopecu.org