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.

Deposit Rates


Limited Edition Savings Account*

Rates Effective: 01/20/2021

Product Annual Percentage Yield (APY) Minimum Deposit to Open Annual Interest Rate Minimum Daily Balance
to Earn Stated APY
Limited Edition Savings Account 0.410% $1,000.00 0.410% $1,000.00
*Accounts must be associated with a CD.
Fees could reduce earnings on the account.


Companion Deposit Account*

Rates Effective: 01/20/2021

Product Annual Percentage Yield (APY) Minimum Deposit to Open Annual Interest Rate Minimum Daily Balance
to Earn Stated APY
Companion Deposit Account 0.220% $10.00 0.220% $10.00
*Accounts must be associated with a CD.
Fees could reduce earnings on the account.


Elite Money Market Account

Rates Effective: 01/20/2021

Elite Money Market Account Annual Percentage Yield (APY) Annual Interest Rate Minimum Deposit to Open Minimum Daily Balance
to Earn Stated APY
TIER 1 0.010% 0.010% $10.00 $0.01
TIER 2 0.010% 0.010% $10.00 $2,000.00
TIER 3 0.090% 0.090% $10.00 $10,000.00
TIER 4 0.130% 0.130% $10.00 $50,000.00
TIER 5 0.170% 0.170% $10.00 $100,000.00
TIER 6 0.170% 0.170% $10.00 $250,000.00
Rate may change after account opening.
Fees could reduce earnings on the account.


Savings Accounts

Rates Effective: 12/31/2020

Savings Product Annual Percentage Yield (APY) Annual Interest Rate Minimum Deposit to Open Minimum Daily Balance
to Earn Stated APY
Statement Savings Account 0.010% 0.010% $10.00 $100.00
Savers Money Market 0.010% 0.010% $10.00 $0.01
Rate may change after account opening.
Fees could reduce earnings on the account.


IRA Money Market Account

Rates Effective:  01/20/2021

IRA Money Market Account Annual Percentage Yield (APY) Annual Interest Rate Minimum Deposit to Open Minimum Daily Balance
to Earn Stated APY
TIER 1 0.010%

0.010%

$10.00 $0.01
TIER 2 0.090% 0.090% $10.00 $25,000.00
TIER 3 0.130% 0.130% $10.00 $75,000.00

A penalty may be imposed for early withdrawal.
Fees could reduce earnings on the account. 


Certificates of Deposit & IRA Certificates of Deposit

Rates Effective: 12/31/2020

Term Annual Percentage Yield (APY) Minimum Deposit to Open Annual Interest Rate Minimum Daily Balance
to Earn Stated APY
5 Months 0.060% $1,000.00 0.060% $0.01
6 Months 0.110% $1,000.00 0.110% $0.01
12 Months 0.210% $1,000.00 0.210% $0.01
18 Months 0.260% $1,000.00 0.260% $0.01
24 Months 0.310% $1,000.00 0.310% $0.01
30 Months 0.350% $1,000.00 0.350% $0.01
36 Months 0.380% $1,000.00 0.380% $0.01
48 Months 0.410% $1,000.00 0.410% $0.01
60 Months 0.560% $1,000.00 0.560% $0.01
A penalty may be imposed for early withdrawals.


Club Accounts

Rates Effective: 12/31/2020

Club Account Annual Percentage Yield (APY) Annual Interest Rate Minimum Deposit to Open Minimum Daily Balance
to Earn Stated APY
Christmas Club 0.01% 0.01% $10.00 $0.01
Vacation Club 0.01% 0.01% $10.00 $0.01
All-Purpose Club 0.01% 0.01% $10.00 $0.01
Rate may change after account opening. Fees could reduce earnings on the account.


Checking Accounts

Rates Effective: 12/31/2020

Checking Product Annual Percentage Yield (APY) Annual Interest Rate Minimum Deposit to Open Minimum Daily Balance
to Earn Stated APY
NOW Checking 0.01% 0.01%

$10.00

$0.01
Rate may change after account opening. Fees could reduce earnings on the account.