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Holyoke Credit Union

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Holyoke Credit Union Rates & Review March 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare Holyoke Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.05%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 0.25%. Savings rates are at 0.10% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to Holyoke Credit Union rates. 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 3.67%. Rates were last updated on 03/29/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.67%

Excellent Lower than avg

Holyoke Credit Union
Holyoke Office

490 Westfield Rd
Holyoke, MA 01040 1600

https://www.holyokecu.com

Holyoke Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa ® Platinum	-	2.99%
Details Intro rate expires: 12 months; Regular APR: Great low rate Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%

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.

Methodology & Data Sources

MonitorBankRates 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 34

Part-Time Employees 6

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.67%

Return on Assets (ROA)

0.3344%

Return on Equity (ROE)

3.7093%

Non-Performing Loans Ratio (NPL)

0.51%

Total Assets

291,293,795

Total Amount of Shares and Deposits

234,134,401

Total Shares and Deposits < 1 Year

203,163,661

Total Shares and Deposits 1 3 Years

11,277,794

Total Shares and Deposits > 3 Years

19,692,946

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

14,626,003

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

14,626,003

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

219,508,398

Total Interest Expense (Sum of items 6 8)

4,398,495

Share Certificates

1,876

Number of Accounts for Share Drafts

12,181

IRA KEOGH Accounts

397

Number of Accounts for Regular Shares

22,805

All other shares

8,006

Non Member Deposits

Money Market Shares

1,687

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,659,609

Total Liabilities

273,092,950

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Holyoke Credit Union

Is Holyoke Credit Union a safe place to deposit money?

Yes, Holyoke Credit Union is considered a safe financial institution. With a Texas Ratio of 3.674363221324%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

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.