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Consumer Loan Rates

Auto Loans

Rates Effective: 01/04/2024

Model Year Term Annual Percentage Rate (APR) Loan to Value (LTV)* Payment per $1000 Borrowed
2023-2021 24-63 Months
64-75 Months
76-84* Months
6.76%
7.46%
8.76%
100% of Retail of NADA Book Value $18.91
$16.73
$15.97
2020-2016 24-63 Months
64-75 Months
76-84* Months
7.26%
7.96%
9.26%
100% of Retail of NADA Book Value

$19.14
$16.97
$16.23

2015-2014 24-63 Months 8.21% 100% of Retail of NADA Book Value $19.60
Rates are subject to change without notice. #1-3.
  1. Maximum loan amount is $80,000.00.
  2. Your actual rate may be different than the advertised rate based upon your credit score.
  3. Required lender's single Interest insurance fee on all vehicle loans. 
    Fee is $85.00. 
    *Up to 125% LTV available.  
  4. Holyoke Credit Union’s lending criteria for auto loans is as follows:
    • The vehicle should be 9 years old or newer
    • The vehicle should have 85,000 miles or fewer
  5. Monthly minimum payment of $50.00. 
  6. Payment per $1,000 borrowed based on highest number of months in term. 


Motorcycle Loans

Rates Effective: 01/04/2024

Model Year Term Annual Percentage Rate (APR) Loan to Value (LTV) Payment per $1000 Borrowed

2023-2019

Up to 60 Months

61-72 Months

8.34%

8.74%

100% of Retail of NADA Book Value

100% of Retail of NADA Book Value

$20.45

$17.90

2018-2016 Up to 60 Months 8.74% 100% of Retail of NADA Book Value $20.64
Rates are subject to change without notice.
  1. 12- to 60-Month Financing: Minimum loan amount is $2,500 
    61- to 72-Month Financing: Minimum loan amount is $15,000
  2. Your actual rate may be different than the advertised rate based upon your credit score.


Lifestyle Loans

Rates Effective: 07/26/2023

Term Annual Percentage Rate (APR) Payments per $1,000 Borrowed
Up to 36 Months 11.49% $32.98
Rates are subject to change without notice
  1. Your actual rate may be different than the advertised rate based upon your credit score.
  2. Monthly minimum payment of $50.00
  3. 48 month term and 60 month term are available at a higher rate.