OUR WEST SPRINGFIELD BRANCH OFFICE HAS MOVED TO 85 ELM STREET. THE ENTRANCE WILL TEMPORARILY BE LOCATED ON CENTRAL STREET.

Consumer Loan Rates

Auto Loans

Rates Effective: 08/02/2022

Model Year Term Annual Percentage Rate (APR) Loan to Value (LTV)* Payment per $1000 Borrowed
2022-2020 24-63 Months
64-75 Months
76-84* Months
4.41%
4.61%
5.61%
100% of Retail of NADA Book Value $17.81
$15.38
$14.43
2019-2015 24-63 Months
64-75 Months
76-84* Months
4.51%
4.71%
5.71%
100% of Retail of NADA Book Value

$17.86
$15.42
$14.48

2014-2013 24-63 Months 4.81% 100% of Retail of NADA Book Value $18.00
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: 01/06/2022

Model Year Term Annual Percentage Rate (APR) Loan to Value (LTV) Payment per $1000 Borrowed
2021-2017 Up to 60 Months 4.59% 100% of Retail of NADA Book Value $18.69
2021-2017 61-72 Months 4.99% 100% of Retail of NADA Book Value $16.10
2016-2014 Up to 60 Months 4.99% 100% of Retail of NADA Book Value $18.87
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: 08/02/2022

Term Annual Percentage Rate (APR) Payments per $1,000 Borrowed
Up to 36 Months 7.74% $31.22
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.