COVID-19 Update - April 2, 2020 - For the safety of our members, staff and the public, HCU will temporarily be closing our West Springfield Branch as of Mon. April 6, 2020. ATMs in West Springfield will remain functional. HCU will temporarily be reducing the hours in the Holyoke and Feeding Hills branches. They will be open Mon.-Fri.: 10am-3pm and Sat. 9am-12pm. Mobile banking, online banking and HCU's Member Solutions Call Center will continue to be available. For more complete information please see the News article "Important Message to Our Members" below.

Our Own Low-Rate VISA® Platinum Credit Card

 

Features

Look at the benefits:

  • 2.99% APR on balance transfers for 12 months on new accounts**
  • Our lowest interest rates. Low interest makes this the best and most economical credit card for all your purchases.
  • No annual fee. We are honored to offer a no-fee card to our members.
  • No penalty rate for late payment. While other card providers may balloon your interest rate when you make a late payment, Holyoke Credit Union takes pride in maintaining your same rate.
  • No balance transfer fee. Many other credit card providers charge a fee to transfer balances from one card to another, but there is never a balance transfer fee with your Holyoke Credit Union Our Own VISA® Platinum Credit Card.
  • Online card application and management. Holyoke Credit Union makes obtaining and managing your Our Own VISA® Platinum Credit Card simple. You can handle it all online at your convenience.
  • No ignoring those with challenged credit. Holyoke Credit Union has a long history of dedication to responsible individuals with less-than-perfect credit. We welcome your business!
  • No dealing with a giant company. What makes the Holyoke Credit Union Our Own VISA® Platinum Credit Card so great is that we issue and manage it ourselves for our members. So you do business with us . . . not some giant credit card organization.
 
*Existing account holders are those accounts opened before 01-01-2020.  Offer good an balance transfers made from January 1, 2020 - March 31, 2020.  The rate remain until 01-2021 statement cycle. 
**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. 

Rates

Click Here for the Application and Solicitation Disclosure


Application

Click Here for a printable version of the Application Form

Click Here to Apply Online

Click Here for the Application and Solicitation Disclosure


Agreement

Click Here for the Credit Card Agreement