Please be advised that on Sunday, June 23, 2019, from 10:00 pm to approximately 2:00 am, HCU's online banking and VRU system will be unavailable due to system upgrades. We apologize for any inconvenience.

Consumer Loan

Consumer Loan Rates

Auto Loans

Rates Effective: 01/02/2019

Model Year Term Annual Percentage Rate (APR) Loan to Value (LTV)* Payment per $1000 Borrowed
2019-2017 24-63 Months
64-75 Months
76-84* Months		 4.24%
5.04%
5.34%		 100% of Retail of NADA Book Value $17.74
$15.58
$14.30
2016-2012 24-63 Months
64-75 Months
76-84* Months		 4.74%
5.59%
5.74%		 100% of Retail of NADA Book Value

$17.96
$15.83
$14.49
2011-2010 24-63 Months 5.64% 100% of Retail of NADA Book Value $18.38
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 $25.00 with a FICO score of 680 or higher and $75.00 for a FICO score of less than 680.
    *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. 


Motorcycle Loans

Rates Effective: 01/02/2019

Model Year Term Annual Percentage Rate (APR) Loan to Value (LTV) Payment per $1000 Borrowed
2019-2014 Up to 60 Months 4.59% 100% of Retail of NADA Book Value $18.69
2019-2014 61-72 Months 4.99% 100% of Retail of NADA Book Value $16.10
2013-2011 Up to 60 Months 4.99% 100% of Retail of NADA Book Value $18.87
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: 10/12/2018

Term Annual Percentage Rate (APR) Payments per $1,000 Borrowed
Up to 36 Months 5.49% $30.19
Rates are subject to change without notice.
  1.  Advertised rate includes a 1.75% rate reduction for monthly loan payments automatically deducted from your Holyoke Credit Union Checking Account. (Account must be established for 12 months.)
  2. Advertised rate includes a 2.00% rate reduction for monthly loan payments automatically deducted from your Holyoke Credit Union Checking Account for Bank at Work participants.
  3. Your actual rate may be different than the advertised rate based upon your credit score.
  4. Monthly minimum payment of $50.00. 

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