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First Hope Bank Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

First Hope Bank's top rates as of October 11, 2026 are 3.51% APY on its 9-Months 9-Month CD Special, 0.20% APY on savings, 0.15% APY on money market accounts, 0.02% APY on checking, 6.375% on its 15 Year Fixed Monthly mortgage, and auto loans from 6.49% APR, according to rates verified by MonitorBankRates. Other First Hope Bank CD rates include 9-Months Business 9-Month CD Special at 3.51%, 13-Months 13-Month CD Special at 3.49%, and 13-Months Business 13-Month CD Special at 3.49%. Other First Hope Bank mortgage rates include 15 Year Fixed Monthly at 6.50%, 20 Year Fixed Monthly at 6.875%, and 20 Year Fixed Monthly at 6.75%. MonitorBankRates evaluates the financial stability of First Hope Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/11/2026.

First Hope Bank 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 First Hope Bank? Share your experience about First Hope Bank by leaving a review below, or read customer reviews before you decide to use First Hope Bank.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.00%
Perfect Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
First Hope Bank, A National Banking Association
1301 Hope Bridgeville Rd.
Hope, NJ 07844
https://www.firsthope.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

First Hope Bank CD Rates

Product Rate APY Term View More
9 Month CD Special 3.46% 3.51% 9 months
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 8 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
13 Month CD Special 3.45% 3.49% 13 months
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 8 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
23 Month CD Special 2.97% 3.00% 23 months
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
36 Month Certificate 1.00% 1.00% 36 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
36 Month Risk-Free 0.95% 0.95% 36 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 8 times
0.45%0.95%1.45%Sep 14, 2026: 0.95% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
48 Month Certificate 0.60% 0.60% 48 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 8 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
60 Month Certificate 0.60% 0.60% 60 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 8 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
48 Month Risk-Free 0.55% 0.55% 48 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 8 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
60 Month Risk-Free 0.55% 0.55% 60 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 8 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
30 Month Certificate 0.40% 0.40% 30 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 8 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
18 Month Certificate 0.25% 0.25% 18 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
24 Month Certificate 0.20% 0.20% 24 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 8 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
12 Month Certificate 0.15% 0.15% 12 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
6 Month Certificate 0.15% 0.15% 6 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
3 Month Certificate 0.05% 0.05% 3 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

First Hope Bank Business CD Rates

Product Rate APY Term View More
Business 9 Month CD Special 3.46% 3.51% 9 months
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 8 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Business 13 Month CD Special 3.45% 3.49% 13 months
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 8 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Business 23 Month CD Special 2.97% 3.00% 23 months
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Business 36 Month Risk-Free 0.95% 0.95% 36 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.95% APY · checked 7 times
0.45%0.95%1.45%Sep 19, 2026: 0.95% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Business 48 Month Risk-Free 0.55% 0.55% 48 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.55% APY · checked 7 times
0.05%0.55%1.05%Sep 19, 2026: 0.55% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Business 60 Month Risk-Free 0.55% 0.55% 60 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.55% APY · checked 7 times
0.05%0.55%1.05%Sep 19, 2026: 0.55% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

First Hope Bank Savings Rates

Product Rate APY View More
Hopes & Dreams Club 0.25% 0.25%
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
KIDS Savings 0.20% 0.20%
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 8 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
IRA Savings 0.10% 0.10%
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Holiday Club 0.05% 0.05%
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Statement Savings 0.04% 0.04%
Min Deposit $25
Min Balance $300
Details Monthly Service Charge if below Minimum Balance: $4
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.04% APY · checked 4 times
0.00%0.27%0.54%Sep 14, 2026: 0.04% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

First Hope Bank Business Savings Rates

Product Rate APY View More
Business IRA Savings 0.10% 0.10%
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Business Statement Savings 0.04% 0.04%
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.04% APY · checked 8 times
0.00%0.27%0.54%Sep 14, 2026: 0.04% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

First Hope Bank Money Market Rates

Product Rate APY View More
Gold Money Market 0.15% 0.15%
Min Balance $100,000
Details Balance: $100,000 & Above
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Gold Money Market 0.08% 0.08%
Min Balance $2,500
Details Balance: $2,500 - $99,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.08% APY · checked 7 times
0.00%0.29%0.58%Sep 19, 2026: 0.08% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Gold Money Market 0.05% 0.05%
Min Balance $1,000
Details Balance: $1,000 - $2,499.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

First Hope Bank Business Money Market Rates

Product Rate APY View More
Business Gold Money Market 0.15% 0.15%
Min Balance $100,000
Details Balance: $100,000 & Above
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Business Gold Money Market 0.08% 0.08%
Min Balance $2,500
Details Balance: $2,500 - $99,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.08% APY · checked 6 times
0.00%0.29%0.58%Sep 24, 2026: 0.08% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Business Gold Money Market 0.05% 0.05%
Min Balance $1,000
Details Balance: $1,000 - $2,499.99
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

First Hope Bank Business Checking Rates

Product Rate APY View More
Business Interest Checking 0.02% 0.02%
Min Balance $2,500
Details Balance: $2,500 & Above
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 8 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

First Hope Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Home Loan Fixed Biweekly - 5 Years - - 6.14% 5 years
Details Max 80% LTV
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.14% APR · checked 2 times
5.64%6.14%6.64%Oct 7, 2026: 6.14% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Home Equity Home Loan Fixed Monthly - 5 Years - - 6.24% 5 Years
Details Max 80% LTV
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.24% APR · checked 2 times
5.74%6.24%6.74%Oct 7, 2026: 6.24% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Home Equity Home Loan Fixed Biweekly - 10 Years - - 6.39% 10 years
Details Max 80% LTV
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.39% APR · checked 2 times
5.89%6.39%6.89%Oct 7, 2026: 6.39% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Home Equity Home Loan Fixed Monthly - 10 Years - - 6.49% 10 Years
Details Max 80% LTV
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.49% APR · checked 2 times
5.99%6.49%6.99%Oct 7, 2026: 6.49% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Home Equity Home Loan Fixed Biweekly - 15 Years - - 6.64% 15 years
Details Max 80% LTV
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.64% APR · checked 2 times
6.14%6.64%7.14%Oct 7, 2026: 6.64% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Home Equity Home Loan Fixed Monthly - 15 Years - - 6.74% 15 Years
Details Max 80% LTV
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.74% APR · checked 2 times
6.24%6.74%7.24%Oct 7, 2026: 6.74% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Home Equity 10 year interest only draw period with 20 year payback - - 6.75% 10 year
Details Intro rate expires: 6 Months; Regular APR: 6.75%
Last Updated 10/11/2026
Rate History
No change since Oct 11, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 11, 2026: 6.75% APROct 11, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Home Equity Home Loan Fixed Biweekly - 20 Years - - 6.89% 20 years
Details Max 75% LTV
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.89% APR · checked 2 times
6.39%6.89%7.39%Oct 7, 2026: 6.89% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Home Equity Home Loan Fixed Monthly - 20 Years - - 6.99% 20 Years
Details Max 75% LTV
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.99% APR · checked 2 times
6.49%6.99%7.49%Oct 7, 2026: 6.99% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

First Hope Bank Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - 2026 - - 6.49% 48 Months
Details Model Years: 2026
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 6.49% APR · checked 7 times
5.99%6.49%6.99%Sep 19, 2026: 6.49% APRSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Auto Loans - 2026 - - 6.74% 60 Months
Details Model Years: 2026
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 6.74% APR · checked 7 times
6.24%6.74%7.24%Sep 19, 2026: 6.74% APRSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Auto Loans - 2026 - - 6.99% 72 Months
Details Model Years: 2026
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 19, 2026: 6.99% APRSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Auto Loans - 2020-2025 - - 7.74% 48 Months
Details Model Years: 2020-2025
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 7.74% APR · checked 7 times
7.24%7.74%8.24%Sep 19, 2026: 7.74% APRSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Auto Loans - - 12.00% Revolving
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 12.00% APR · checked 7 times
11.50%12.00%12.50%Sep 19, 2026: 12.00% APRSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

First Hope Bank Other Rates

Product Rate Points APY/APR Term View More
15 Year Fixed Monthly 6.50% 0 6.715%
Last Updated 10/11/2026
Rate History
2 changes since Sep 14, 2026 · 6.33% → 6.72% ▲ 0.38 pts · high 6.72% / low 6.33%
5.83%6.52%7.22%Sep 14, 2026: 6.33% APRSep 19, 2026: 6.46% APROct 1, 2026: 6.72% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20266.72%▲ from 6.46%
  • Sep 19, 20266.46%▲ from 6.33%
  • Sep 14, 20266.33%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
15 Year Fixed Monthly 6.375% 1.000 6.749%
Last Updated 10/11/2026
Rate History
2 changes since Sep 14, 2026 · 6.37% → 6.75% ▲ 0.38 pts · high 6.75% / low 6.37%
5.87%6.56%7.25%Sep 14, 2026: 6.37% APRSep 19, 2026: 6.49% APROct 1, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20266.75%▲ from 6.49%
  • Sep 19, 20266.49%▲ from 6.37%
  • Sep 14, 20266.37%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
20 Year Fixed Monthly 6.875% 0 7.053%
Last Updated 10/11/2026
Rate History
2 changes since Sep 14, 2026 · 6.67% → 7.05% ▲ 0.38 pts · high 7.05% / low 6.67%
6.17%6.86%7.55%Sep 14, 2026: 6.67% APRSep 19, 2026: 6.80% APROct 1, 2026: 7.05% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20267.05%▲ from 6.80%
  • Sep 19, 20266.80%▲ from 6.67%
  • Sep 14, 20266.67%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
20 Year Fixed Monthly 6.75% 1.000 7.058%
Last Updated 10/11/2026
Rate History
2 changes since Sep 14, 2026 · 6.67% → 7.06% ▲ 0.38 pts · high 7.06% / low 6.67%
6.17%6.87%7.56%Sep 14, 2026: 6.67% APRSep 19, 2026: 6.80% APROct 1, 2026: 7.06% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20267.06%▲ from 6.80%
  • Sep 19, 20266.80%▲ from 6.67%
  • Sep 14, 20266.67%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
30 Year Fixed Monthly 7.125% 0 7.266%
Last Updated 10/11/2026
Rate History
2 changes since Sep 14, 2026 · 6.88% → 7.27% ▲ 0.38 pts · high 7.27% / low 6.88%
6.38%7.08%7.77%Sep 14, 2026: 6.88% APRSep 19, 2026: 7.01% APROct 1, 2026: 7.27% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20267.27%▲ from 7.01%
  • Sep 19, 20267.01%▲ from 6.88%
  • Sep 14, 20266.88%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
30 Year Fixed Monthly 6.875% 1.000 7.113%
Last Updated 10/11/2026
Rate History
2 changes since Sep 14, 2026 · 6.73% → 7.11% ▲ 0.38 pts · high 7.11% / low 6.73%
6.23%6.92%7.61%Sep 14, 2026: 6.73% APRSep 19, 2026: 6.88% APROct 1, 2026: 7.11% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20267.11%▲ from 6.88%
  • Sep 19, 20266.88%▲ from 6.73%
  • Sep 14, 20266.73%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Hope Select Plus 0.01% - 0.01%
Min Balance $1,000
Details Balance: $1,000 - $9.999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 7 times
0.00%0.26%0.51%Sep 19, 2026: 0.01% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Hope Select Plus 0.03% - 0.03%
Min Balance $10,000
Details Balance: $10,000 & Above
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 8 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Kasasa Cash Checking - - 1.00%
Details Qualifications Required: 1.00% APY* paid on balances up to $10,000; Reimbursement on Domestic ATM fees up to $25 per month
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Kasasa Saver Savings 0.25% - 0.27%
Min Balance $10,000
Details Kasasa Saver balances over $10,000 earn an interest rate of 0.25% on the portion of the balance over $10,000, resulting in 0.50% - 0.27% APY depending on the balance. Interest earned may be less than the advertised APY. If qualifications are not met, all balances will earn 0.02% APY. Balance: $10,000.01 and over
Last Updated 10/11/2026
Rate History
2 changes since Sep 14, 2026 · 0.02% → 0.27% ▲ 0.25 pts · high 0.50% / low 0.02%
0.00%0.50%1.00%Sep 14, 2026: 0.02% APYOct 7, 2026: 0.50% APYOct 11, 2026: 0.27% APYSep 14, 2026Oct 13, 2026
  • Oct 11, 20260.27%▼ from 0.50%
  • Oct 7, 20260.50%▲ from 0.02%
  • Sep 14, 20260.02%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Kasasa Saver Savings 0.02% - 0.02%
Details Published rate range: 0.02%-0.50%.
Last Updated 10/11/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 8 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
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

First Hope Bank’s Texas Ratio fell from 1.43% in Q3 2023 to 0.00% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 0.5% 2.0★ 1% 3.0★ 1.4% 4.0★ 1.9% 5.0★ Healthy zone – entire history below the 15% limit 1.43% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.00% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$657M0.00%5.0A+
March 31, 2026$654M0.00%5.0A+
December 31, 2025$667M0.00%5.0A+
September 30, 2025$677M0.00%5.0A+
June 30, 2025$651M0.00%5.0A+
March 31, 2025$648M0.00%5.0A+
December 31, 2024$641M0.82%5.0A+
September 30, 2024$651M0.79%5.0A+
June 30, 2024$621M0.86%5.0A+
March 31, 2024$629M0.00%5.0A+
December 31, 2023$641M0.00%5.0A+
September 30, 2023$633M1.43%5.0A+
Source: FDIC 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 First Hope Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Hope Bank 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 First Hope Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Hope Bank
Bank Holding Company FIRST HOPE BCORP
Address 1301 Hope Bridgeville Rd., Hope, NJ 07844  ·  Warren
Website https://www.firsthope.com
FDIC Certificate # 6354
Established 19110911
FDIC Insurance Date 19340101
Domestic Offices 6
Total Branches 6
Regulator OCC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 100/100
5.0
Exceptional Out of 5.0 Stars
0.00%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.7845%
Return on Equity (ROE) 8.4500%
Non-Performing Loans (NPL) 0.00%
Total Assets $656,678,000
Total Deposits $585,627,000
Equity Capital $61,817,000
Net Income $2,586,000
Headquarters Hope
Total Branches and Offices 6
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

First Hope Bank 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/first-hope-bank-a-national-banking-association-rates-review-6354">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for First Hope Bank yet. Feel free to create one below.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About First Hope Bank

How many branches does First Hope Bank operate?

First Hope Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Hope Bank 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, First Hope Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Hope Bank offer online and mobile banking?

Most modern institutions like First Hope Bank 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://www.firsthope.com.

Current First Hope Bank Rates

  • 12-Month CD0.15%
  • 18-Month CD0.25%
  • 24-Month CD0.20%
  • 36-Month CD0.95%
  • 48-Month CD0.55%
  • 60-Month CD0.55%
  • Savings0.20%
  • MMA0.15%
Retrieved from our database of financial products. Rates subject to change.

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