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Defy Expectations.

We Got Your Back.

At HAPO, we defy expectations and encourage our members to do the same. We are not afraid to stand alone and will proudly defy what's expected in the name of superior service and doing what is right.

"We do for others and achieve what is beyond the application or scope of what is expected."

We encourage you to challenge yourself beyond what is expected even during a difficult situation. Our campaign recognizes the perceptions and realities we all face that can get in the way of financial success. We're talking about "big bank" perceptions, personal fears and being stereotyped by age. At HAPO we celebrate diversity, and through our services and products offer more value, convenience, security and resources so that everyone benefits.

If you have a story to share where:
  • HAPO "defied expectations"
  • You personally "defied expectations"
  • Someone you know "defied expectations"

We would love to hear it. Click here to share your story with us!

HAPO Free Checking

Open your account anytime or anywhere in minutes!  Everyone benefits from a HAPO Free Checking Account. 
With your account, you will receive  

  • No joining fees
  • No minimum deposit
  • Free personalized and instant issue VISA debit and credit cards
  • Lower loan rates
  • Higher level of service

We're talking about more value convenience, security and people to best serve you!

Invest in our new $100 CD

HAPO now offers a $100 CD! Invest in a $100 CD today and continue on the path to financial success.

Educational Resources


Check out our informational brochures to help you on your journey to financial success: