At Holyoke Credit Union protecting our members information is our top priority. We will never ask for any personal information such as account or debit card numbers, online banking log-in credentials or PIN numbers. Never give out your personal financial information in response to an unsolicited phone call, text or email, no matter how official it may seem. If you ever have any doubts as to the validity of these communications, please call us directly at 413-561-9600.

Deposit Rates


Companion Deposit Account*

Rates Effective: 04/01/2025

Product Annual Percentage Yield (APY) Minimum Deposit to Open Annual Interest Rate Minimum Daily Balance
to Earn Stated APY
Companion Deposit Account 3.88% $10.00 3.81% $10.00
*Accounts must be associated with a CD.
Fees could reduce earnings on the account.
*Rate may change after account opening.


Select Money Market Account*

Rates Effective: 04/01/2025

Select Money Market Account  Annual Percentage Yield (APY) Annual Interest Rate Minimum Deposit to Open Minimum Daily Balance
to Earn Stated APY
TIER 1 0.10% 0.10% $10.00 $0.00
TIER 2 1.85% 1.83% $10.00 $2,500.00
TIER 3 2.20% 2.18% $10.00 $25,000.00
TIER 4 2.50% 2.47% $10.00 $75,000.00
*Rate may change after account opening.
Fees could reduce earnings on the account.


Certificates of Deposit & IRA Certificates of Deposit

Rates Effective: 04/01/2025

Term Annual Percentage Yield (APY) Minimum Deposit to Open Annual Interest Rate Minimum Daily Balance
to Earn Stated APY
5 Months 1.43% $1,000.00 1.42% $1.00
6 Months 1.48% $1,000.00 1.47% $1.00
12 Months 1.74% $1,000.00 1.73% $1.00
18 Months 2.04% $1,000.00 2.02% $1.00
24 Months 2.09% $1,000.00 2.07% $1.00
30 Months 2.24% $1,000.00 2.22% $1.00
36 Months 2.35% $1,000.00 2.32% $1.00
48 Months 2.35% $1,000.00 2.32% $1.00
60 Months 2.35% $1,000.00 2.32% $1.00
A penalty may be imposed for early withdrawals.


Savings Accounts

Rates Effective: 04/01/2025

Savings Product Annual Percentage Yield (APY) Annual Interest Rate Minimum Deposit to Open Minimum Daily Balance
to Earn Stated APY
Statement Savings Account 0.01% 0.01% $10.00 $100.00
Savers Money Market 0.01% 0.01% $10.00 $0.01
Rate may change after account opening.
Fees could reduce earnings on the account.


IRA Money Market Account

Rates Effective: 04/01/2025

IRA Money Market Account Annual Percentage Yield (APY) Annual Interest Rate Minimum Deposit to Open Minimum Daily Balance
to Earn Stated APY
TIER 1 0.10% 0.10% $10.00 $0.01
TIER 2 0.15% 0.15% $10.00 $25,000.00
TIER 3 0.20% 0.20% $10.00 $75,000.00
A penalty may be imposed for early withdrawal.
Fees could reduce earnings on the account. 
Rate may change after account opening.


Club Accounts

Rates Effective: 04/01/2025

Club Account Annual Percentage Yield (APY) Annual Interest Rate Minimum Deposit to Open Minimum Daily Balance
to Earn Stated APY
Christmas Club 0.01% 0.01% $10.00 $0.01
Vacation Club 0.01% 0.01% $10.00 $0.01
All-Purpose Club 0.01% 0.01% $10.00 $0.01
Rate may change after account opening. Fees could reduce earnings on the account.


Checking Accounts

Rates Effective: 04/01/2025

Checking Product Annual Percentage Yield (APY) Annual Interest Rate Minimum Deposit to Open Minimum Daily Balance
to Earn Stated APY
NOW Checking 0.01% 0.01% $10.00 $0.01
Simply Free Checking 0.00% 0.00% $10.00 $0.01
18/65 Checking 0.00% 0.00% $10.00 $0.01
Rate may change after account opening. Fees could reduce earnings on the account.