Consumer Loan
Consumer Loan Rates
Consumer Loan Rates
Auto Loans
Rates Effective: 02/07/2024
| Model Year | Term | Annual Percentage Rate (APR) | Loan to Value (LTV)* | Payment per $1000 Borrowed |
|---|---|---|---|---|
| 2024-2022 | 24-63 Months 64-75 Months 76-84* Months |
6.76% 7.46% 8.76% |
100% of Retail of NADA Book Value | $18.91 $16.73 $15.97 |
| 2021-2017 | 24-63 Months 64-75 Months 76-84* Months |
7.26% 7.96% 9.26% |
100% of Retail of NADA Book Value |
$19.14 |
| 2016-2015 | 24-63 Months | 8.21% | 100% of Retail of NADA Book Value | $19.60 |
Rates are subject to change without notice. #1-3.
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Maximum loan amount is $80,000.00.
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Your actual rate may be different than the advertised rate based upon your credit score.
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Required lender's single Interest insurance fee on all vehicle loans.
Fee is $85.00.
*Up to 125% LTV available.
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Holyoke Credit Union’s lending criteria for auto loans is as follows:
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The vehicle should be 9 years old or newer
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The vehicle should have 85,000 miles or fewer
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Monthly minimum payment of $50.00.
- Payment per $1,000 borrowed based on highest number of months in term.
Motorcycle Loans
Rates Effective: 02/07/2024
| Model Year | Term | Annual Percentage Rate (APR) | Loan to Value (LTV) | Payment per $1000 Borrowed |
|---|---|---|---|---|
|
2024-2020 |
Up to 60 Months 61-72 Months |
8.34% 8.74% |
100% of Retail of NADA Book Value 100% of Retail of NADA Book Value |
$20.45 $17.90 |
| 2019-2017 | Up to 60 Months | 8.74% | 100% of Retail of NADA Book Value | $20.64 |
Rates are subject to change without notice.
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12- to 60-Month Financing: Minimum loan amount is $2,500
61- to 72-Month Financing: Minimum loan amount is $15,000
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Your actual rate may be different than the advertised rate based upon your credit score.
Personal Loans
Rates Effective: 02/07/2024
| Term | Annual Percentage Rate (APR) | Payments per $1,000 Borrowed |
|---|---|---|
| Up to 36 Months | 11.49% | $32.98 |
Rates are subject to change without notice
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Your actual rate may be different than the advertised rate based upon your credit score.
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Monthly minimum payment of $50.00
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48 month term and 60 month term are available at a higher rate.