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 $16.97 $16.23
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.

Maximum loan amount is $80,000.00.
Your actual rate may be different than the advertised rate based upon your credit score.
Required lender's single Interest insurance fee on all vehicle loans.

Fee is $85.00.

*Up to 125% LTV available.
Holyoke Credit Union’s lending criteria for auto loans is as follows:

The vehicle should be 9 years old or newer
The vehicle should have 85,000 miles or fewer

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.

12- to 60-Month Financing: Minimum loan amount is $2,500

61- to 72-Month Financing: Minimum loan amount is $15,000
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

Your actual rate may be different than the advertised rate based upon your credit score.
Monthly minimum payment of $50.00
48 month term and 60 month term are available at a higher rate.

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