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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Holyoke Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Holyoke Credit Union's CD of Deposit - 36 month rates are at 1.56%, CD of Deposit - 48 month rates are at 1.56%, CD of Deposit - 60 month rates are at 1.56%, CD of Deposit - 30 month rates are at 1.51%, CD of Deposit - 24 month rates are at 1.36%. Holyoke Credit Union's savings rates are at 3.79%. Holyoke Credit Union's money market rates are at 1.97%. Holyoke Credit Union's checking rates are as high as 0.01%. Holyoke Credit Union's Fixed-Rate Mortgage Loan - 10 Yr Fixed Rate rates are at 6.25%, Jumbo 15 Year Fixed Rate Loan rates are at 6.62%, Fixed-Rate Mortgage Loan - 15 Yr Fixed Rate rates are at 6.50%, 7/1 ARM rates are at 6.25%, 10/1 ARM rates are at 6.50%. Holyoke Credit Union's Personal Loan Rates are as low as 11.49%. Holyoke Credit Union's CD rates are 56% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Holyoke Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.26%. Rates last updated and verified on 10/30/2026. Holyoke 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 Credit Union? Share your experience about Holyoke Credit Union by leaving a review below, or read customer reviews before you decide to use Holyoke Credit Union. 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 Credit Union CD Rates
Holyoke Credit Union Savings Rates
Holyoke Credit Union Money Market Rates
Holyoke Credit Union Checking Rates
Holyoke Credit Union Mortgage Rates
Holyoke Credit Union Home Equity & HELOC
Holyoke Credit Union Auto Loan Rates
Holyoke Credit Union RV, Boat and Powersport Loan Rates
Holyoke Credit Union Personal Loan Rates
Holyoke Credit Union Other Rates
Financial Health HistoryHolyoke Credit Union’s Texas Ratio rose from 2.34% in Q3 2023 to 10.26% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Holyoke 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 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 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Holyoke Credit Union
Website
https://www.holyokecu.com
Address
490 Westfield Rd,
Holyoke, MA 01040-1600
Phone
413-278-6852
Fax
413-534-2446
President
Thomas Paquin
CEO
James Wolohan
Full-Time Employees
36
Part-Time Employees
3
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.26%
Return on Assets (ROA)
0.2380%
Return on Equity (ROE)
2.5978%
Non-Performing Loans Ratio (NPL)
1.42%
Total Assets
296,360,784
Total Amount of Shares and Deposits
240,293,172
Total Shares and Deposits < 1 Year
206,974,159
Total Shares and Deposits 1 3 Years
10,769,465
Total Shares and Deposits > 3 Years
22,549,546
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
15,678,806
Total Uninsured Shares and Deposits > $250K (F+J)
15,678,806
Total Insured Shares and Deposits > $250K (item 17 less item K)
224,614,366
Total Interest Expense (Sum of items 6 8)
2,548,972
Share Certificates
1,589
Number of Accounts for Share Drafts
11,827
IRA KEOGH Accounts
384
Number of Accounts for Regular Shares
23,455
All other shares
7,580
Non Member Deposits
36
Money Market Shares
1,678
Net Income (unless the amount is already included in Undivided Earnings)
705,464
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)
2,862,936
Total Liabilities
276,740,274
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Holyoke Credit Union
Frequently Asked Questions About Holyoke Credit UnionDoes Holyoke Credit Union offer CDs?Yes. Holyoke Credit Union current CD rates include its CD of Deposit - 36 month at 1.56% APY, its CD of Deposit - 48 month at 1.56% APY and its CD of Deposit - 60 month at 1.56% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Holyoke Credit Union NCUA insured?Yes. Holyoke Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Holyoke Credit Union?The highest Holyoke Credit Union CD rate is its CD of Deposit - 36 month at 1.56% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Holyoke Credit Union offer?Holyoke Credit Union CD rates are 1.01% APY for a 12 month CD, 1.31% APY for an 18 month CD, 1.36% APY for a 2 year CD, 1.51% APY for a 30 month CD, 1.56% APY for a 3 year CD, 1.56% APY for a 4 year CD and 1.56% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Holyoke Credit Union for its full lineup. What is the highest savings rate at Holyoke Credit Union?The highest Holyoke Credit Union savings rate is its Smart Start Savings (Tier 1) at 3.79% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Holyoke Credit Union?The highest Holyoke Credit Union money market rate is its Select Money Market Account at 1.97% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Holyoke Credit Union?The highest Holyoke Credit Union checking rate is its NOW Checking at 0.01% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest 30 year fixed mortgage rate at Holyoke Credit Union?The lowest Holyoke Credit Union 30 year fixed mortgage rate is its TRIM: The Rate Improver Mortgage - 30 Year Fixed Rate at 6.75%, verified by MonitorBankRates as of October 30, 2026. Holyoke Credit Union mortgage rates are 6.75% for a 30 year mortgage, 6.625% for a 20 year mortgage, 6.50% for a 15 year mortgage, 6.25% for a 10 year mortgage, 6.00% for a 5/1 ARM, 6.25% for a 7/1 ARM and 6.50% for a 10/1 ARM. What is the lowest auto loan rate at Holyoke Credit Union?The lowest Holyoke Credit Union auto loan rate is its Auto Loan at 6.24% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Holyoke Credit Union operate?Holyoke 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 Credit Union?Yes, to access services at Holyoke 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Holyoke Credit Union offer online and mobile banking?Most modern institutions like Holyoke 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://www.holyokecu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Holyoke Credit Union rates compare?Holyoke Credit Union's CD rates are 56% lower than the MonitorBankRates national average, and it has an A health rating. Holyoke Credit Union's top rates are its CD of Deposit - 36 month at 1.56% APY, its Smart Start Savings (Tier 1) at 3.79% APY, its Select Money Market Account at 1.97% APY, its NOW Checking at 0.01% APY, its 5/1 ARM at 6.00% and its Personal Loans - Up to 36 Months at 11.49% APR, verified by MonitorBankRates on October 30, 2026. Current Holyoke Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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