OUR WEST SPRINGFIELD BRANCH OFFICE HAS MOVED TO 85 ELM STREET. THE ENTRANCE WILL TEMPORARILY BE LOCATED ON CENTRAL STREET. THERE IS CURRENTLY NO ATM AT THIS BRANCH.

Consumer Loan Rates

Auto Loans

Rates Effective: 09/14/2022

Model Year Term Annual Percentage Rate (APR) Loan to Value (LTV)* Payment per $1000 Borrowed
2022-2020 24-63 Months
64-75 Months
76-84* Months
5.16%
5.36%
6.36%
100% of Retail of NADA Book Value $18.16
$15.73
$14.79
2019-2015 24-63 Months
64-75 Months
76-84* Months
5.26%
5.46%
6.46%
100% of Retail of NADA Book Value

$18.21
$15.77
$14.84

2014-2013 24-63 Months 5.56% 100% of Retail of NADA Book Value $18.34
Rates are subject to change without notice. #1-3.
  1. Maximum loan amount is $80,000.00.
  2. Your actual rate may be different than the advertised rate based upon your credit score.
  3. Required lender's single Interest insurance fee on all vehicle loans. 
    Fee is $85.00. 
    *Up to 125% LTV available.  
  4. 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
  5. Monthly minimum payment of $50.00. 
  6. Payment per $1,000 borrowed based on highest number of months in term. 


Motorcycle Loans

Rates Effective: 09/14/2022

Model Year Term Annual Percentage Rate (APR) Loan to Value (LTV) Payment per $1000 Borrowed
2022-2018 Up to 60 Months 5.34% 100% of Retail of NADA Book Value $19.03
2017-2015 61-72 Months 5.74% 100% of Retail of NADA Book Value $16.46
Rates are subject to change without notice.
  1. 12- to 60-Month Financing: Minimum loan amount is $2,500 
    61- to 72-Month Financing: Minimum loan amount is $15,000
  2. Your actual rate may be different than the advertised rate based upon your credit score.


Lifestyle Loans

Rates Effective: 09/14/2022

Term Annual Percentage Rate (APR) Payments per $1,000 Borrowed
Up to 36 Months 8.49% $31.57
Rates are subject to change without notice.
  1. Your actual rate may be different than the advertised rate based upon your credit score.
  2. Monthly minimum payment of $50.00
  3. 48 month term and 60 month term are available at a higher rate.