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Holyoke

490 Westfield Rd, Holyoke, MA 01040
NCUA Insured3.7 (77 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1911

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

490 Westfield Rd

Holyoke, MA 01040

Service Area

This credit union is located in Holyoke and serves members in the MA area. Currently serving 21,292 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

7.90%

Used Auto Loan

8.50%

Personal Loan

10.80%

Credit Card APR

15.30%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MA

Lowest rates currently reported by credit unions in MA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

3.7

77 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Luis Cruz

Luis Cruz

5 months ago

I’m very disappointed with the customer service I received. My issue was not handled properly, and communication was slow and unhelpful. I felt ignored rather than supported, which is frustrating as a customer. I expected a much higher level of professionalism. Unfortunately, based on this experience, I would not recommend this business.

Nicole Kana

Nicole Kana

a year ago

This bank sucks. It used to be great about 10 years ago, since then it's gone downhill extremely rapidly. It's impossible to get anyone on the phone, especially "member services" which, at this point, I'm convinced doesn't exist. I had some weird activity happen on my debit card, the way I can N E V E R get a phone call back. I have tried all the locations, I have tried the "member services" line and I have even tried the "24 hour line." 24 hour line just keeps ringing ringing ringing until business hours, then from there you just wait on hold for no one to ever answer or call you back. I find this so interesting as this bank used to be so great and caring with their customer service. Now this all gets substantially more frustrating as the second they *THINK* you might not pay your credit card bill they suddenly remember your phone number, calling incessantly, leaving voicemails, sending copious letters in the mail. Funny how there is no communication when my money is suspiciously leaving my bank account but the SECOND they think there's potential they wont get THEIR money OH BOY it's communication city. It's just ridiculous I have reached out so many times for many different reasons as you do with your bank, and have NEVER received a phone call back. Also the ATM's, especially the drive up ATM's are constantly down/ not working. I have had my card eaten 3 different times in the past 5 years at the Holyoke location drive up ATM...... I know I know at this point it's my own fault. Either way this bank is BS. 0/10 would not recommend this bank UPDATE: Since leaving this review I have sat on hold still waiting to resolve an issue I called and left a message with member services about last week.

Giovanni Ortiz

Giovanni Ortiz

9 months ago

I called for some information about a car and I spoke with Sharon Carter From the Holyoke Credit union Branch and off rip she gave me attitude and gave me a hard time with my questions so I don’t recommend this Credit union At ALL!!!! She definitely needs some customer service Training…..The way she speaks to customers is not professional and not acceptable

Money bags

Money bags

a year ago

I was facing significant financial difficulties and sought assistance. Upon visiting Holyoke Credit Union, I consulted with Brian Risler and Anabela Blake, who thoroughly reviewed my options. As a result, my financial situation has substantially improved. It's essential to recognize the value of supporting local credit unions, as they can provide pivotal aid. In my case, they were instrumental in my recovery. I extend sincere gratitude and appreciation for their exceptional service.

Lissa Picard

Lissa Picard

6 years ago

We have been banking with the credit union for almost ten years. I have been satisfied with their customer service, hours and willingness to work with their members. We hit a rough patch and worked closely with Alan and communicated frequently and were able to work through the issue. I know sometimes it is hard to work on the banking end and listening to people that make promises to pay and then they don't. In my experiences with HCU, if you just communicate and be open and honest they truly try to work with you. Much better than a big national bank I worked for in College!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).