At Holyoke Credit Union protecting our members information is our top priority. We will never ask for any personal information such as account or debit card numbers, online banking log-in credentials or PIN numbers. Never give out your personal financial information in response to an unsolicited phone call, text or email, no matter how official it may seem. If you ever have any doubts as to the validity of these communications, please call us 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
2025-2023 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
2022-2018 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
2017-2016 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

2025-2021

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
2020-2018 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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