Coronavirus Relief Efforts

We all have an obligation to flatten the curve on the spread of the Coronavirus. Our collective efforts and sacrifices will provide our healthcare system a fighting chance to help those in real danger.

At HCU we recognize that these collective efforts and sacrifices have come with a devastating financial impact to many members. HCU is committed to our members’ financial well-being and we stand ready to help lessen the financial burdens you may face during this difficult time.

If you have been financially impacted by the COVID-19 pandemic and meet the following criteria we may be able to help you:

  • Your loan must have been current or less than 31 days delinquent as of March 13, 2020, the date of the National Emergency declaration related to COVID-19; and
  • You must have experienced a financial hardship resulting from COVID-19, for example, unemployment, a reduction in regular work hours, or illness of a borrower/co-borrower or dependent family member which has impacted your ability to make your monthly loan payment(s).

For those members that meet the criteria listed above we may be able to help by deferring your loan payments(s) for up to three (3) months for both consumer and mortgage loans. Please email HCU at or call Sharon Carter at 413-341-0133. We will call you to put in place a solution.

In addition, HCU will suspend credit bureau reporting for those members granted a loan deferment.

Special Accommodations for our members

  • Deposits made via mobile or at an HCU ATM will continue to have appropriate holds placed for uncollected funds.  However, should an overdraft occur due to uncollected funds, HCU will waive the Insufficient Funds $30 fee. 
  • Members may call the branch or the Member Solutions Call Center to transfer funds or for a balance inquiry at no charge. 
  • To help members needing access to their funds, HCU will waive all CD early withdrawal penalties up to $25,000. 
  • During this crisis, you may now make more than 6 transactions from a savings or money market account per calendar month.  We have temporarily removed the Reg. D limits for transfers and withdrawals. 
  • We have reduced the minimum credit card payments to 2% of the outstanding balance.
  • We are waiving late fees on loans for three months for those who have had a loss of income because of the crisis. 


For questions concerning your small business loan please contact:

Celia Alvarado
Smaill Business Lending Officer
Tel:  413-420-7023
Fax:  413-425-2454

SBA “EIDL” Program

The U.S. Small Business Administration offers the “Economic Injury Disaster Loan” program, for businesses, non-profits, renters and homeowners impacted by the ongoing COVID-19 pandemic. Information on this program can be obtained here.


The Coronavirus Aid, Relief, and Economic Security (CARES) Act, signed into law on Friday, March 27, 2020, extends unemployment compensation to individuals not normally covered under  the Massachusetts Unemployment Compensation Program - namely the self-employed and independent contractors (those paid by 1099s, not W-2s).  The CARES Act will also extend coverage to individuals who have exhausted their unemployment compensation benefits or who have insufficient earnings over the last year to qualify. 

In addition, the CARES Act extends the total number of benefit weeks.  The new act will also supplement an individual's weekly benefit amount by $600.00. 

However, at this time (4-1-2020) the Massachusetts Department of Unemployment Assistance ("DUA") has not yet implemented the CARES Act and is waiting for federal guidance to do so.  Updates are being posted by the Massachusetts DUA at

Temporary Lobby Closures

HCU’s lobbies will continue to be closed until further notice with only limited access to members on an appointment-only basis. Our drive-thru teller windows will remain open during the Stay at Home Advisory. However, we strongly encourage you to use our safe and convenient online, mobile or telephone banking services during these trying times.

Need to Make a Payment over the Phone

We are waiving all ACH fees for loan payments made via our Member Solutions Call Center.

Online Account Access

Call 1-866-987-8305 to get assistance from our Online Banking Specialists for help setting up online access to your accounts.

Unemployment Questions

Please take a moment to read the Massachusetts COVID-19 Unemployment FAQs.

Mobile and Online

  • 24/7 Mobile App and Online Banking: Use our digital platforms to deposit checks (mobile only), pay bills, transfer money, pay your loan, view account activity, and manage your money.


  • Info24 Telephone Banking - Easily accessed by a Personal Identification Number (PIN), it’s the perfect banking tool for obtaining account balances, transferring funds, checking our hours of operation, and so much more. Call 1-888-267-9379 to use Info24 Telephone Banking.  If you don't know your PIN, call 1-413-561-9600 to reset your PIN.


  • Drive-Up Banking – Starting on Monday, May 18, 2020, HCU’s drive-ups are open at our Holyoke and Feeding Hills branches during the following hours:

    Holyoke & Feeding Hills Drive-Up
    Mon-Fri (9:00am - 4:00pm)
    Sat (9:00am - 12:00pm)

    West Springfield  Drive-Up
    Mon-Fri Temporarily Closed
    Sat Temporarily Closed

  • 24/7 ATM: Access cash 24/7 at any of HCU's drive-up ATMs as well as any of the ATMs located in HCU's vestibules.

For Branch Appointments

If you would like to make an appointment to be seen at one of our branches, please call:

Holyoke Branch – Sharon Carter at 413-341-0133

West Springfield Branch – Beth Cook at 413-278-6850

Feeding Hills Branch – Marjorie Letasz at 413-278-6840

Beware of Scams

We encourage all community members to stay alert and to beware of scammers who are out there trying to get your personal information. Remember that HCU will never request any personal information (such as account numbers, passwords, PINS, Social Security Numbers, etc.) through an unsecure email. Nor will they call you directly to ask for confidential information unless you have called us and we are returning your call and asking for identifying information. Please educate yourself on Coronavirus related scams with this helpful information from the Federal Trade Commission.

 Utilize These Reliable Community Resources