All Holyoke Credit Union branches will be closed on Monday, January 19th in observance of Martin Luther King Jr. Day. Online and mobile banking services are available 24/7.
Important Security Notice: Fraudsters are contacting members and pretending to be from the Holyoke Credit Union-even using our phone number (413) 532-7007 to make the call appear legitimate. They are falsely claiming there is “potential fraud” on your account to obtain sensitive information. Holyoke Credit Union will never request personal or confidential information through unsolicited calls, texts, or emails. If you receive a suspicious call, text, or email, do not respond. Please call our member service department directly at 413-561-9600.

Consumer Loan

Consumer Loan Rates

Consumer Loan Rates

Auto Loans

Rates Effective: 01/02/2025

Model Year Term Annual Percentage Rate (APR) Loan to Value (LTV)* Payment per $1000 Borrowed
2026-2024 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
2023-2019 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
2018-2017 24-63 Months 8.21% 100% of Retail of NADA Book Value $19.60
Rates are subject to change without notice. #1-3.
  1. Maximum loan amount is $100,000.00.
  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 $125.00. 
    *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: 01/02/2025

Model Year Term Annual Percentage Rate (APR) Loan to Value (LTV) Payment per $1000 Borrowed

2026-2022

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
2021-2019 Up to 60 Months 8.74% 100% of Retail of NADA Book Value $20.64
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.


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
  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.

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