All Holyoke Credit Union branches will be closed on Wednesday, June 19, 2024 in observance of Juneteenth. Online banking and mobile banking are available 24/7. Thank you for banking at HCU!
For your safety and convenience, the West Springfield branch will be temporarily closed until Thursday, June 20th, 2024, due to the construction performed by the city. We encourage you to utilize our Feeding Hills and Holyoke branches. Thank you for your understanding.

Our Own Visa® Platinum Credit Card


Did you know?...HCU Rewards will never expire!

Now with:

  • 2.99% APR on balance transfers for 12 months on new accounts*
  • Reverts to a customized low rate
  • No annual fee
  • No balance transfer fee
  • Great rewards with our Visa® Platinum Rewards credit card
  • Chip technology for enhanced security
  • Contactless for even more convenience!

Our Own Visa® Platinum Credit Cards are just that – our own. While most cards are issued and serviced by credit card giants, Holyoke Credit Union personally issues and services its own Visa® Platinum credit cards. By doing so, we provide our members with greater flexibility in terms of credit worthiness, rates, and terms. At Holyoke Credit Union, we take pride in our ability to offer an affordable card to our members – even those with a challenging credit situation. 

*Balance transfers must be completed within the first 90 days of account opening.  Only accounts opened on/after 01-01-2020 will qualify.  The rate will remain for 365 days from the first qualifying transaction. 

Important Information for HCU Visa Cardholders!

HCU Visa cards come with Auto Rental Collision Damage Waiver, Trip Delay, Trip Cancellation Interruption, Emergency Evacuation, Lost Luggage and Buyer Protection.

Holyoke Credit Union Visa® Platinum Credit Cards.

Choose the one that is right for you!

Our Own 
® Platinum

Our Own 
® Platinum Rewards

Card Benefits
  • Our lowest interest rates
  • Reward points on every purchase
  • Redeem points for cash back, gift cards,
    merchandise, and travel  with CURewards.
  • Reward points will never expire!

2.99% APR on Balance Transfers
for 12 Months

Annual Percentage Rate as low as 12.95% APR* 14.95% APR*
No Annual Fee
No Penalty Rate Increase for Late Payment
No Balance Transfer Fee
Cash Back
Gift Card Redemption
Merchandise Rewards
Travel Rewards
CURewards® Mall
Online Card Application and Management

Learn More Apply Now

Learn More Apply Now

*Your APR (Annual Percentage Rate) is based on your personal credit history. Rates are variable, tied to the Prime Rate, and can change monthly.

Member Loyalty Rewards

This rewards program applies only to members using the Our Own VISA® Platinum Rewards Credit Card. The following points will be rewarded once the cardholder has spent $1,000 on their rewards credit card within three months of the card being issued.

Product/Service Frequency
(Times per year)
Points Awarded
(monthly, annually, one-time)
Just for Opening a New Card! 1 10,000 One-time