OUR WEST SPRINGFIELD BRANCH OFFICE HAS MOVED TO 85 ELM STREET. THE ENTRANCE WILL TEMPORARILY BE LOCATED ON CENTRAL STREET. THERE IS CURRENTLY NO ATM AT THIS BRANCH.

Our Own VISA® Platinum Rewards Credit Card

 

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

Features

Look at the benefits

  • 2.99% APR on balance transfers for 12 months on new accounts*
  • Earn points on every purchase. The Holyoke Credit Union Our Own VISA® Platinum Rewards Credit Card is perfect for our members who want to earn points with every purchase.
  • Redeem points for travel, merchandise, gift cards, and more with Member Loyalty Rewards. Points add up fast and can be redeemed for a variety of items. You’re sure to find something you want or need.
  • Your Reward Points will never expire!
  • Low interest rates. Our Own VISA® Platinum Rewards Credit Card offers a low variable interest rate, so you can save on interest and still earn reward points.
  • No annual fee. We are honored to offer a no-fee rewards credit 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 Rewards Credit Card.
  • Online card application and management. Holyoke Credit Union makes obtaining and managing your Our Own VISA® Platinum Rewards 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 Rewards Credit Card so great is that we issue and manage the card ourselves for our members. So you do business with us . . . not some giant credit card organization.
  • Now contactless!
 *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. 


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
Earned
Points Awarded
(monthly, annually, one-time)
Just for Opening a New Card!* 1 10,000 One-time

To reach the Member Loyalty Rewards Travel Agency call 1-866-768-0322.

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