The Holyoke and Feeding Hills lobbies are now open to limited traffic (Holyoke - 5 members & Feeding Hills - 3 members at any time). Masks are required and social distancing will be practiced. HCU's hours will remain the same, M - F 9am - 4pm, Sat. 9am - 12pm. The West Springfield branch will remain closed until further notice, however the West Springfield Drive-thru is now open. If you wish to meet with a Member Service Representative, please call for an appointment. For Holyoke, call Sharon Carter at 413-341-0133. For Feeding Hills, call either Marjorie Letasz or Beth Cook at 413-278-6840. We thank you for your understanding while we implement this "new normal"!
COVID-19 Update 10/07/2020 - West Springfield Drive-Thru is Reopening! - Starting on Tuesday, October 13, 2020, the drive-thru at Holyoke Credit Union's West Springfield Branch (333 Elm Street) will be open for business. The drive-thru only will be open Mon.-Fri. from 9-4 and on Saturdays from 9-12.


Holyoke Credit Union has teamed up with the MassHousing Finance Agency to bring the most affordable mortgage options to our income-eligible members. MassHousing has been serving low-to-moderate-income homebuyers and homeowners for more than 30 years.

To qualify for a MassHousing loan through Holyoke Credit Union, you must:

  • Meet income and loan limits, which vary by city and town
  • Be creditworthy
  • Buy or refinance a single-family home or condominium, or a 2-, 3- or 4-family property

MassHousing loans offer:

  • Affordable fixed interest rates
  • Low down payment options
  • MI Plus™ payment protection, which helps pay your mortgage loan for up to six months if you lose your job
  • In-house servicing by MassHousing, which means any questions you may have on your mortgage will be answered by local MassHousing staff

MassHousing offers a number of affordable products and services to help families with modest incomes to buy or refinance their homes. They are:

Maximum income levels as high as $125,415 (varies by city or town). For Hampden and Hampshire Counties, the maximum income level is $94,770.

Learn more about Mass Housing Mortgage
Maximum income levels as high as $125,415 (varies by city or town). For Hampden and Hampshire Counties, the maximum income level is $94,770.

Learn more about MassHousing Mortgage with No Mortgage Insurance
A mortgage insurance protection plan for buyers with little or no down payment.

Learn more about MI Plus
MassHousing recently launched a nine-part video series aimed at helping consumers prepare for the homebuying process. The series begins with an introduction to MassHousing and its homebuyer programs and then guides the homebuyer through such topics as determining one's readiness for homeownership; where to begin; the importance of homebuyer education; finding a lender; the benefits of a MassHousing loan; and working with a realtor.

Learn more about the Homebuyer Video Series