Consumer Loan Rates

Auto Loans

Rates Effective: 05/18/2026

Model Year	Term	Annual Percentage Rate (APR)	Loan to Value (LTV)*	Payment per $1000 Borrowed
2026-2021	24-63 Months 64-75 Months 76-84* Months	6.24% 6.94% 8.50%	100% of Retail of NADA Book Value	$18.66 $16.48 $15.84
2020-2018	24-63 Months 64-75 Months	7.00% 7.70%	100% of Retail of NADA Book Value	$19.02 $16.85
2017-2016	24-63 Months	7.95%	100% of Retail of NADA Book Value	$19.47

Rates are subject to change without notice. #1-3.

1. Maximum loan amount is $100,000.00.

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 $125.00. 

   *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: 01/02/2025

Model Year	Term	Annual Percentage Rate (APR)	Loan to Value (LTV)	Payment per $1000 Borrowed
2026-2022	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
2021-2019	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.

Personal Loans

Rates Effective: 02/07/2024

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.