COVID-19 Update 12-10-2020 Holyoke Credit Union will be expanding our drive-thru hours of operation. Starting on Monday, December 14, 2020, the Holyoke drive-thru will be open: Mon.-Thurs. 8AM-4PM, Fri. 8AM -5PM and Sat. 9AM-12PM. The W. Springfield and Feeding Hills drive-thrus will be open: Mon.-Thurs. 9AM-4PM, Fri. 9AM -5PM and Sat. 9AM-12PM. All branch lobbies will remain closed until further notice. All HCU ATMs remain open. Mobile banking, online banking and HCU's Member Solutions Call Center (413-532-7007) will continue to be available. To see a Member Service Representative call 413-341-0133 for Holyoke or 413-278-6840 for W. Springfield or Feeding Hills for an appointment.

USDA Rural Home Loans

A USDA Rural Home Loan is a mortgage loan offered to those wishing to purchase an eligible rural property. This loan requires no down payment and is offered by the United States Department of Agriculture through eligible lenders including Holyoke Credit Union.

Applicants must:

  • Meet income eligibility requirement
  • Occupy the dwelling as a primary residence – single family or condo
  • Be a U.S. Citizen, U.S. non-citizen national, or Qualified Alien
  • Have the legal capacity to incur the loan obligation
  • Have not been suspended or debarred from participation in federal programs
  • Be able to meet credit obligations on a timely basis
  • Purchase a property that meets all eligibility requirements 

Best for people who:

  • Are considered low- and moderate-income
  • Do not have down payment funds: 100% financing and no reserves required
  • Have a credit score of 640 or above 

 Contact one of our Mortgage Specialists to find out more.