All HCU branches will be closed on Wednesday, November 11th in observance of Veterans Day. ATMs, online banking, and the HCU mobile app are available 24/7.
Fraud Alert: Scammers may be impersonating Holyoke Credit Union using spoofed phone numbers to obtain personal information. We will never call to ask for sensitive personal information. If you're unsure whether a call is legitimate, hang up and contact us directly at 413.532.7007.

USDA Rural Home Loans

A USDA Rural Home Loan is a mortgage loan offered to those wishing to purchase an eligible rural property. This loan requires no down payment and is offered by the United States Department of Agriculture through eligible lenders including Holyoke Credit Union.

Applicants must:

  • Meet income eligibility requirement
  • Occupy the dwelling as a primary residence – single family or condo
  • Be a U.S. Citizen, U.S. non-citizen national, or Qualified Alien
  • Have the legal capacity to incur the loan obligation
  • Have not been suspended or debarred from participation in federal programs
  • Be able to meet credit obligations on a timely basis
  • Purchase a property that meets all eligibility requirements 

Best for people who:

  • Are considered low- and moderate-income
  • Do not have down payment funds: 100% financing and no reserves required
  • Have a credit score of 640 or above 

 Contact one of our Mortgage Specialists to find out more.