As a reminder HAPO will be closed in observance of Martin Luther King Jr. Day on Monday, January 20, 2020. As always, you will have access to Online and Mobile Banking, as well as access to 30,000+ surcharge-free ATMs nationwide.

Other Loans

Need a loan for something other than a vehicle or a home? Don't worry, we got that covered too. We offer close-end signature loans, share secured loans, and payday alternative loans.

Close-End Signature

  • Loans with a max term of 36 months

Share Secured

  • Share loans can be secured with savings, certificates or money market accounts
  • Interest rates are calculated at 3% (rounded up to the nearest 1/4%) above the current rate earned on your account
  • Fast automatic approval, no appointment necessary to sign

Payday Alternative Loans

HAPO offers members a great alternative to a payday loan giving you a convenient solution for the short-term cash needs without the high rates.


  • Quick access to cash
  • Simple, easy application

You qualify if:

  • You make at least $1,000/month
  • You've had an active checking account for at least 90 days
  • Your payroll is direct deposit
  • You've had continuous employment for the last six months
  • You are 18 years or older

Apply for up to $400.00 today


601 Williams Blvd. Richland, WA 99354
Phone: 509-943-5676