Business Details
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Your Trusted Partner for Financial Services in Heath, Ohio
Hopewell Federal Credit Union has dedicated itself to empowering members in Licking, Franklin, and Delaware Counties through accessible, community-focused financial services. As a member-owned cooperative, we prioritize financial well-being over profit, offering competitive rates on loans, savings accounts, and credit products tailored to individual needs. Our CDFI-certified institution reinvests earnings to benefit members, providing lower borrowing costs, higher savings returns, and personalized guidance. With 24/7 digital tools, shared branching access across 5,000+ locations, and fee-free ATMs through the Alliance One and PULSE networks, we ensure convenience without compromising local expertise.Our volunteer Board of Directors, elected annually, upholds transparency and accountability, while our physical branches in Heath, Newark, and Johnstown maintain a human touch in an increasingly digital world. By adhering to strict E-E-A-T principles, we build trust through decades of service, clear fee structures, and a commitment to financial education. Whether opening youth savings accounts, refinancing mortgages, or accessing emergency funds, members experience a credit union difference rooted in ethical practices and community impact.
Services
Checking Accounts
Savings Accounts
Business Accounts
Home Equity Loans
Mortgage Loans
Personal Loans
Student Loans
Vehicle Loans
Visa Credit Cards
Digital Banking
Highlights and features
- We operate as a certified Community Development Financial Institution (CDFI).
- Our 24/7 MAGIC Line provides round-the-clock account access and support.
- We exclusively serve Licking, Franklin, and Delaware County communities.
- Access 5,000+ shared branching locations nationwide at no extra charge.
- Enjoy fee-free withdrawals through Alliance One and PULSE ATM networks.
Associations and certifications
- CDFI Certification
Services
Home Equity Loans
Fixed-rate home equity loans provide predictable monthly payments for major home projects or debt consolidation. Members benefit from competitive APRs based on creditworthiness, with no payments required until 2026 for qualified applicants. Our lending specialists guide borrowers through personalized loan structuring.
Youth Savings Accounts
Designed to teach financial responsibility, youth accounts automatically receive initial funding from the credit union. Parents and guardians gain tools to educate children about saving, while members under 18 enjoy fee-free transactions and interest-earning potential.
Digital Banking
24/7 digital access includes mobile check deposit, bill payment, account transfers, and real-time transaction alerts. The MAGIC Line telephone system and mobile app provide secure, convenient management of checking, savings, and loan accounts from any location.
Shared Branching Network
As CO-OP Shared Branching participants, members access 5,000+ credit union locations nationwide for deposits, withdrawals, loan payments, and account management without additional fees. This service extends our local reach while maintaining personalized member support.
Fee-Free ATM Network
Members withdraw cash without fees at 30+ local ATMs and thousands nationwide through Alliance One and PULSE networks. Detailed ATM locators help members find nearby fee-free options, reducing out-of-network transaction costs.
Questions
What financial services does Hopewell Federal Credit Union offer?
We provide checking and savings accounts, home equity loans, mortgages, personal loans, student loans, vehicle financing, Visa credit cards, and digital banking tools.
How can I access customer support outside business hours?
Our 24/7 MAGIC Line telephone system handles account inquiries and transactions at any time. Online banking and mobile app features remain available 24/365.
Are there fees for using ATMs outside Heath, Ohio?
No fees apply when using Alliance One or PULSE network ATMs nationwide. Over 5,000 shared branching locations also provide free in-person transactions.
Can non-residents join Hopewell Federal Credit Union?
Membership requires living, working, worshipping, or attending school in Licking, Franklin, or Delaware Counties. Immediate family members of existing members also qualify.
What loan payment relief options exist during financial hardship?
We offer temporary payment deferrals and refinancing programs. Contact our lending department directly to discuss hardship assistance for existing loans.
How do credit union members influence organizational decisions?
Members elect a volunteer Board of Directors annually. The board sets policies, approves major decisions, and ensures operations align with member interests.
Reviews (4)
Cammie Morow
Nov 04, 2020
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Being out of state, I am very disappointed in being held captive on hold told I was caller number 1 then moved back to caller number 4 then waiting again and was caller number 5 to caller number 1. Now I'm caller number 3, what is going on? I've been on hold for over 25 minutes. Just in a constant cycle with no one picking up
Lori Carlson
Jan 12, 2019
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We love HFCU. The staff are helpful and they care about their community. Each year, they support local nonprofit organizations in an effort to make a difference. That makes them top-notch in our eyes!
James Starr
Jul 22, 2018
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It Appears that some employees does not understand/know or care about Credit Union policies and procedures. To tell a 20 plus year member they can accomplish an on-line service, then several days later receive a Credit Union E-Mail indicating you cannot complete that service, and if you did it is now cancelled. Call the reply number and was informed I cannot do that on-line service!
David Fosco
Aug 19, 2016
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Never use the coin machine at this credit union. On several occasions i have, each time the machine took 3 to 8 dollars out of the total. Making it look like i had less to begin with. On this last occurance i had 34 dollars and some change. The machine read that i had 26 dollars and 16 cents i said something when cashing out. Our teller was very confused and asked a manager to check the machine. The manager came back and tryed explaining how machine is very accurate. Indirectly calling me stupid, saying that i must of counted wrong. The thing is i have a hand counter and count as i put my change