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  490 Westfield Rd.|HOLYOKE MA 01040
  413-532-7007 | HOLYOKECU.COM   

September 2017  
September 2017

Specials
Home Possible Advantage® 80 $1,500 Closing Cost Program
$1,500 Off Closing Costs! Apply today!


Holyoke Credit Union, a long-time partner with MassHousing, is happy to announce that from July 3, 2017 – December 29, 2017* eligible home buyers can take advantage of their
Home Possible Advantage® 80 $1,500 Closing Cost Program.

It’s an incredible deal! $1,500 off your closing costs is just one of the perks.



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100% Basic Home Equity Line of Credit
HCU's Newest Lending Option

At HCU you have always been able to get a 100% Home Equity Loan but now HCU is offering a 100% Basic Home Equity Line of Credit. This allows you to borrow up to 100% of your home’s value less your outstanding mortgage balance and to take advantage of even more of the equity that you have built up in your home.

Use the money to pay tuition, make home improvements, pay down credit card debt, it is totally up to you! The sky is the limit!

With a Home Equity Line of Credit you receive a book of checks in order to access the money you have borrowed. Then you pay back only the amount that you use.

With a Home Equity Line of Credit you have great peace of mind knowing that the funds you may need are readily available. And there are no closing costs, points or property valuation fees to pay!

To find out more, contact one of HCU’s Home Loan Consultants (a.k.a., Home Equiteers).

Call 413-532-7007 and speak to:
Sharon Hamel – Ext. 1113 or email her at shamel@holyokecu.com
Donna Lessard – Ext. 1105 or email her at dlessard@holyokecu.com
Brian Ahern – Ext. 1137 or email him at bahern@holyokecu.com

Take advantage of the equity in your home and the historic low loan rates today!



Important News! We’re Changing Our Hours
Starting October 1, 2017

The following Hours and Location Schedule will go into effect starting on October 1, 2017.
For your convenience beginning on October 1, 2017, an HCU Call Center will be open on Sundays from 10:00 am – 2:00 pm.  If you have a question or issue, please call 413-532-7007 to speak with a Member Service Representative. 
To learn more about our changing hours please see “Letter from the President/CEO”.



Important Information Regarding Your Online Banking and Bill Pay
Same-Day Electronic Payments Beginning on Friday, September 15, 2017

Many merchants and billing companies may offer you the option to make a same-day electronic payment, such as to pay a bill or to transfer funds. If you agree, then the funds might be debited from your account as soon as that very same day. For example, if you have a bill due on the 25th of the month, the billing company might allow you to call or use its website on the morning of the 25th to make an on-time payment, and also have the funds debited from your account on the 25th.

So how do you manage your checking account in light of same-day electronic payments?

Simply beware that a same-day electronic payment will not immediately be reflected in your account balance as would a debit card transaction or an ATM transaction. Instead, merchants will submit same-day electronic payments at various times throughout the day. So please, after authorizing a same-day electronic payment, mentally subtract these funds from your account balance. Also, check your account balance frequently throughout the day. At some point during the day you will see the same-day electronic payment debit your account.




Dress Down Days for the American Red Cross
HCU Employees helping out!

The thoughts and prayers of all of us at HCU go out to the victims and the volunteers of Hurricane Harvey in Texas and Louisiana and we want to do something to help.

Therefore for the first two Fridays in September, HCU employees will be “dressing down” in order to raise money for the disaster recovery efforts of the American Red Cross in response to Hurricane Harvey.  Every employee who dresses down on September 1st and September 8th will be donating $5.00 to this great cause.



4 Things to Know About Medicare
What you need to know about this government health insurance program

Healthcare has become one of the hottest topics around, yet many average Americans still know very little about our nation’s healthcare system. Those over the age of 65 can benefit significantly from Medicare but fail to take full advantage of the program because of a lack of knowledge.




5 Finance Lessons to Teach Your Kids Before College
Money lessons kids need to know before heading off to college

Being away from home is a tremendous responsibility for kids, especially when it comes to managing money. With the following tips, your college-bound kid will start school with a financial head-start.




Vehicles That Offer the Best Retained Value
The following vehicles manage to best combat the effects of depreciation
https://www.holyokecu.com/consumer-loan/consumer-l...

Spanning across several different segments and brands, here are just a handful of vehicles that offer the best retained value, according to experts at Kelley Blue Book.




How Much Should Your Business Keep in Emergency Funds?
Determine how much of a financial hedge your business needs to stay afloat
https://holyokecu.com/business

Life is unpredictable at best. While you can hope for the best for your business, unforeseen circumstances like market slumps or personal injuries might get in the way. Discover just how much your business should set aside for an emergency fund and glean some helpful tips as you head toward your financial goals.




Experience Fall Foliage in New England
The most picturesque spots in New England to visit this autumn
Whether you are a native or a visitor, you can maximize your autumn in New England by visiting these particularly picturesque destinations.



Tricks to Encourage Better Reading Habits
Get in the habit of reading with these tips
Escaping into a good book is a mindful indulgence for your brain, heart and soul. Whether you prefer historical fiction, true stories, romantic novels, comedic escapades or features in the daily newspaper, reading strengthens your memory, challenges your thinking and, according to the experts at HealthFitnessRevolution.com, “expands your vocabulary, sharpens writing skills, hones critical and analytical skills, reduces stress and boosts concentration.”



Stadium Safety: What You Need to Know
Make sure you know the dos and don’ts of stadium safety
Attending a stadium event is an incredible experience. Whether you’re there for a concert, a football game or another event that strikes your fancy, there are some safety tips you should keep in mind.



How to Remove Coffee Stains from Your Life
Tips and tricks for removing coffee stains from problem surfaces
It’s inevitable—coffee stains everything. However, that doesn’t mean it’s impossible to get those stains out. Depending on what material the coffee has been spilled on, there are a variety of tools you can use to remove the stains.



4 Superfoods to Add to Your Diet
Add some of these superfoods to your diet for maximum health benefits
Maintaining a healthy body depends largely on the types of food that you eat. “Superfoods” are a good choice, as they are packed with vitamins, minerals, antioxidants and other nutrients, helping you take care of your body and maintain its well-being. However, what superfoods should you be eating?



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