What are the current interest rates at Holyoke Community Federal Credit Union?

Current rates for Holyoke Community Federal Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 3.55%, 24-Month CD: 3.39%, 60-Month CD: 3.39%

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Holyoke Community Federal Credit Union

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Holyoke Community Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Holyoke Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Holyoke Community Federal Credit Union's top rates as of October 12, 2026 are 3.60% APY on its 12 Month CD, and personal loans from 12.00% APR, according to rates verified by MonitorBankRates. Other Holyoke Community Federal Credit Union CD rates include 18 Month CD at 3.60%, 12 Month CD at 3.55%, and 18 Month CD at 3.55%. MonitorBankRates evaluates the financial stability of Holyoke Community Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.27%. Rates last updated and verified on 10/12/2026.

Holyoke Community Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Holyoke Community Federal Credit Union? Share your experience about Holyoke Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Holyoke Community Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.27%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Holyoke Community Federal Credit Union
Holyoke Office

101 W Denver St
Holyoke, CO 80734-1427

https://hcfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Holyoke Community Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month CD	3.55%	3.598%	12 month
Min Deposit $50,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.52% → 3.60% ▲ 0.08 pts · high 3.60% / low 3.52% Oct 4, 20263.60%▲ from 3.52% Sep 25, 20263.52%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
18 Month CD	3.55%	3.598%	18 month
Min Deposit $50,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.44% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.44% Oct 4, 20263.60%▲ from 3.44% Sep 25, 20263.44%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
12 Month CD	3.50%	3.546%	12 month
Min Deposit $5,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50% Oct 4, 20263.55%▲ from 3.50% Sep 25, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
18 Month CD	3.50%	3.546%	18 month
Min Deposit $10,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.39% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.39% Oct 4, 20263.55%▲ from 3.39% Sep 25, 20263.39%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
30 Month CD	3.45%	3.495%	30 month
Min Deposit $50,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.09% → 3.50% ▲ 0.41 pts · high 3.50% / low 3.09% Oct 4, 20263.50%▲ from 3.09% Sep 25, 20263.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
6 Month CD	3.45%	3.495%	6 month
Min Deposit $2,500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
24 Month CD	3.40%	3.444%	24 month
Min Deposit $50,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.09% → 3.44% ▲ 0.36 pts · high 3.44% / low 3.09% Oct 4, 20263.44%▲ from 3.09% Sep 25, 20263.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
30 Month CD	3.40%	3.444%	30 month
Min Deposit $10,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.03% → 3.44% ▲ 0.41 pts · high 3.44% / low 3.03% Oct 4, 20263.44%▲ from 3.03% Sep 25, 20263.03%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
36 Month CD	3.40%	3.444%	36 month
Min Deposit $50,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.14% → 3.44% ▲ 0.31 pts · high 3.44% / low 3.14% Oct 4, 20263.44%▲ from 3.14% Sep 25, 20263.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
48 Month CD	3.40%	3.444%	48 month
Min Deposit $50,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.14% → 3.44% ▲ 0.31 pts · high 3.44% / low 3.14% Oct 4, 20263.44%▲ from 3.14% Sep 25, 20263.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
60 Month CD	3.40%	3.444%	60 month
Min Deposit $50,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.14% → 3.44% ▲ 0.31 pts · high 3.44% / low 3.14% Oct 4, 20263.44%▲ from 3.14% Sep 25, 20263.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
24 Month CD	3.35%	3.392%	24 month
Min Deposit $10,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.03% → 3.39% ▲ 0.36 pts · high 3.39% / low 3.03% Oct 4, 20263.39%▲ from 3.03% Sep 25, 20263.03%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
36 Month CD	3.35%	3.392%	36 month
Min Deposit $10,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.09% → 3.39% ▲ 0.31 pts · high 3.39% / low 3.09% Oct 4, 20263.39%▲ from 3.09% Sep 25, 20263.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
48 Month CD	3.35%	3.392%	48 month
Min Deposit $10,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.09% → 3.39% ▲ 0.31 pts · high 3.39% / low 3.09% Oct 4, 20263.39%▲ from 3.09% Sep 25, 20263.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
60 Month CD	3.35%	3.392%	60 month
Min Deposit $10,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.09% → 3.39% ▲ 0.31 pts · high 3.39% / low 3.09% Oct 4, 20263.39%▲ from 3.09% Sep 25, 20263.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
3 Month CD	3.25%	3.29%	3 month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.29% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%

Holyoke Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto - 2018 - Older	-	-	5.50%	up to 36 months
Details As Low As; Model Year: 2018 - Older; Rate adjusts with term Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
Auto - 2019 - 2021	-	-	5.50%	up to 48 months
Details As Low As; Model Year: 2019 - 2021; Rate adjusts with term Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
Auto - 2022 - 2025	-	-	5.50%	up to 60 months
Details As Low As; Model Year: 2022 - 2025; Rate adjusts with term Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
Auto - New	-	-	5.50%	up to 84 months
Details As Low As; Model Year: New; Rate adjusts with term Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%

Holyoke Community Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorhome - Camper Trailer Loan	-	6.50%	up to 144 months
Details More Than $25,000; As Low As; Rate adjusts with term; Type: More Than $25,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
Motorhome - Camper Trailer Loan (Less Than $25,000)	-	7.50%	up to 60 months
Details $25,000; As Low As; Rate adjusts with term; Type: Less Than $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
Watercraft - ATV - Trailer - 2018 - Older Loan	-	7.50%	up to 36 months
Details As Low As; Model Year: 2018 - Older; Rate adjusts with term Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
Watercraft - ATV - Trailer - 2019 - 2021 Loan	-	7.50%	up to 48 months
Details As Low As; Model Year: 2019 - 2021; Rate adjusts with term Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
Watercraft - ATV - Trailer - 2022 - 2025 Loan	-	7.50%	up to 60 months
Details As Low As; Model Year: 2022 - 2025; Rate adjusts with term Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
Watercraft - ATV - Trailer - New Loan	-	7.50%	up to 84 months
Details As Low As; Model Year: New; Rate adjusts with term Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%

Holyoke Community Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan - Large	12.00%	up to 48 months
Details As Low As; Rate determined by underwriting guidelines Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
Signature Loan - Small	13.00%	up to 24 months
Details As Low As; Rate determined by underwriting guidelines Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 13.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%

Holyoke Community Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
HSA	2.00%	-	2.018%
Min Balance $50 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
IRA	2.00%	-	2.018%
Min Balance $50 Details IRA/HSA Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.02% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Holyoke Community Federal Credit Union’s Texas Ratio fell from 13.87% in Q3 2023 to 6.27% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$50M	6.27%	5.0	A
March 31, 2026	$50M	6.74%	5.0	A
December 31, 2025	$48M	6.49%	5.0	A
September 30, 2025	$47M	2.79%	5.0	A+
June 30, 2025	$45M	9.73%	5.0	A
March 31, 2025	$45M	18.94%	4.7	B+
December 31, 2024	$44M	12.28%	5.0	A
September 30, 2024	$42M	12.39%	5.0	A
June 30, 2024	$43M	25.37%	4.1	C+
March 31, 2024	$43M	24.73%	4.2	C+
December 31, 2023	$42M	30.39%	3.7	C-
September 30, 2023	$43M	13.87%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Holyoke Community Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Holyoke Community Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Holyoke Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Holyoke Community Federal Credit Union

Website https://hcfcu.org

Address 101 W Denver St, Holyoke, CO 80734-1427

Phone 970-854-3109

Fax 970-854-3726

President Joshua Martin

CEO RANDY HALE

Full-Time Employees 11

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.27%

Return on Assets (ROA)

0.5512%

Return on Equity (ROE)

6.6348%

Non-Performing Loans Ratio (NPL)

0.88%

Total Assets

49,752,048

Total Amount of Shares and Deposits

44,611,952

Total Shares and Deposits < 1 Year

42,593,390

Total Shares and Deposits 1 3 Years

1,656,634

Total Shares and Deposits > 3 Years

361,928

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

4,085,734

Total Uninsured Shares and Deposits > $250K (F+J)

4,085,734

Total Insured Shares and Deposits > $250K (item 17 less item K)

40,526,218

Total Interest Expense (Sum of items 6 8)

442,162

Share Certificates

633

Number of Accounts for Share Drafts

1,796

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,966

All other shares

Money Market Shares

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,720,354

Total Liabilities

45,619,013

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Holyoke Community Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Holyoke Community Federal Credit Union

How many branches does Holyoke Community Federal Credit Union operate?

Holyoke Community Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Holyoke Community Federal Credit Union?

Yes, to access services at Holyoke Community Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Holyoke Community Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Holyoke Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Holyoke Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Holyoke Community Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://hcfcu.org.