All Holyoke Credit Union branches will be closed on Monday, January 19th in observance of Martin Luther King Jr. Day. Online and mobile banking services are available 24/7.
Important Security Notice: Fraudsters are contacting members and pretending to be from the Holyoke Credit Union-even using our phone number (413) 532-7007 to make the call appear legitimate. They are falsely claiming there is “potential fraud” on your account to obtain sensitive information. Holyoke Credit Union will never request personal or confidential information through unsolicited calls, texts, or emails. If you receive a suspicious call, text, or email, do not respond. Please call our member service department directly at 413-561-9600.

Mortgage

USDA Rural Home Loans

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. 

Meet our Mortgage Specialists