Consumer Loan Rates

Auto Loans

Rates Effective: 01/18/2023

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	7.41% 7.61% 8.61%	100% of Retail of NADA Book Value	$19.21 $16.80 $15.89
2019-2015	24-63 Months 64-75 Months 76-84* Months	7.51% 7.71% 8.71%	100% of Retail of NADA Book Value	$19.26 $16.85 $15.94
2014-2013	24-63 Months	7.81%	100% of Retail of NADA Book Value	$19.40

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: 01/18/2023

Model Year	Term	Annual Percentage Rate (APR)	Loan to Value (LTV)	Payment per $1000 Borrowed
2022-2018	Up to 60 Months 61-72 Months	7.59% 7.99%	100% of Retail of NADA Book Value 100% of Retail of NADA Book Value	$20.08 $17.53
2017-2015	Up to 60 Months	7.99%	100% of Retail of NADA Book Value	$20.27

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.

Lifestyle Loans

Rates Effective: 01/18/2023

Term	Annual Percentage Rate (APR)	Payments per $1,000 Borrowed
Up to 36 Months	10.74%	$32.61

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.