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

June 2017  
June 2017

Specials
Vacation and Summertime Fun Equals Added Reward Points!


Get TRIPLE points on gas!  DOUBLE points on groceries! And a SINGLE point on everything else when you use your HCU Visa Platinum Rewards Credit Card this summer.


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May 2017
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Meet HCU’s Three Equiteers!
The ones for all your home equity needs.

Right now, we have exciting special rates on both.  A Home Equity Line with an introductory rate of only 1.99% APR*, and a Home Equity Loan with a rate as low as 4.125% APR**.

And we’re just the experts you need to help decide which rate and terms are right for you. Either way, we can make the entire process quick and painless.


Whether you need money for a new roof, a remodeled kitchen or other equity-building project, why not call me to help you make it happen.  As a mortgage holder with HCU, we’re proud to offer our help.

*The Home Equity Line has a variable rate feature.  Rates effective 6/22/17 and subject to change.  The APR is based on the value of an index.  The index is the Prime Rate published in the Money Rates column of the Wall Street Journal.  The initial Annual Percentage Rate is “discounted”.  It is not based on the index used for later rate adjustments.  The initial rate will be in effect for 12 months.  Rates on a Home Equity Line of Credit may change after the consummation of the loan and may increase.  The Annual Percentage Rate can change on the first day of each month. The Home Equity Line of Credit has a 10 year draw period.  After the draw period ends the repayment period will be 15 years.  Minimum APR is 4.00%.  Maximum APR is 18.00%. Property must be a one to four family and owner occupied.  Property insurance is required and flood insurance may be required.  Approvals are subject to final property valuation and title search acceptable to the Credit Union.  Your actual rate may be different than the advertised rate based upon your credit score.  Minimum Loan amount is $10,000.00.

**Minimum loan amount is $25,000.00.  Maximum loan amount is $250,000.00. APR includes a 0.25% rate reduction when HCU holds your first mortgage or when this Home Equity Loan is in first lien position.  APR includes a 0.25% rate reduction for monthly loan payments automatically deducted from your existing HCU Checking account. Not available for home purchases. Property must be a one to four family and owner occupied. Property insurance is required and flood insurance may be required.  Approvals are subject to final property valuation and title search acceptable to the Credit Union.  Your actual rate may be different than the advertised rate based upon your credit score.  Payments do not include amounts for taxes and insurance and your actual payment may be greater.  For an 80% loan-to-value Home Equity Loan with a term of 20 years and an APR of 4.125% the monthly payment per $1,000 would be $6.13.  Rates effective 6/22/17 and subject to change.



Let it Grow! Let it Grow! Let it Grow!

Watch your nest egg grow at HCU
with interest rates as high as
1.30% APY*
on a 24 month
Jumbo Certifcate of Deposit (CD)!
Other rates and terms available. 
36 Month – 1.40% APY*
48 Month – 1.50% APY*
60 Month – 1.60% APY*

Stop in today!

*Annual Percentage Yeild (APY) as of June 30, 2017.
Minimum daily balance is $50,000.  Limited time offer.
Penalty may be imposed for early withdrawal. 



Holyoke Credit Union will be closed on Tuesday, July 4th!

Holyoke Credit Union’s three branches will be closed on Tuesday, July 4th in honor of Independence Day!

HCU’s Board of Directors and entire staff wishes you a
Safe, Healthy and Happy 4th of July!


"We hold these truths to be self-evident: that all men are created equal; that they are endowed by their Creator with certain unalienable rights; that among these are life, liberty, and the pursuit of happiness."
--Thomas Jefferson



Don’t Forget to Notify HCU of Your Travel Plans
Travel Tip!
It’s summer time and traveling is on the agenda.  Don’t get stuck without use of your debit card while you are away because you forgot to notify HCU that you will be traveling. 



Pack the Back Pack School Supply Drive
Help us reach our goal of 500 single subject notebooks.
Yes, I know, school has just let out for the summer, and it is hard to even think about school starting up again, but really, now is the time to start collecting those much needed supplies for the next school year.



Why You Should Treat Your Savings like a Bill
How it helps to budget for your savings
The ‘pay-yourself-first’ strategy is a popular tactic for personal saving; but there is a similar way to describe this same school of thought that is even more effective: Treating your savings like a bill.



Three Questions to Ask before You Refinance Your Home
Before you refinance, assess your current financial situation
Many homeowners seek to refinance their mortgage, and for many reasons.



How Much Money Should a Small Business Keep in Savings?
Reserve funds should be calculated based on several factors
All businesses need cash reserves to help keep the business afloat during slow periods. How much to save is based on several factors.



Best Vehicles for a Family of Five
These vehicles are perfect for every situation
For a family of five, there are plenty of great automotive choices. Here is a list of some of the best:



Firework Safety 101
How to celebrate safely with fireworks
Fireworks are a mesmerizing sight in the night sky and twirling sparklers is a highlight for most kids. The booms, colors and explosion of fireworks are synonymous with summer fun, freedom and celebration. To make sure your next fireworks display or experience is a safe one, keep in mind the following safety tips.



Books for Your Kids to Read During Summer Break
Keep your kids learning with these books during summer break
By checking out some of these “Notable Children’s Books” recommended by the American Library Association’s Association for Library Service to Children (ALSC), kids will be able to keep their reading skills sharp during summer break.



Summer Movies to Look Forward To
Spend the summer at the theater with these upcoming films
If the heat is too much to handle this summer, then head to the nice, air-conditioned movies. Filmmakers are always trying to produce amazing summer blockbusters, and this year is no different.



5 Ways to Help Wildlife in Your Area
Lend a helping hand to the plants and animals in your area
By partaking in activities both large and small, you can all make the world a better place for everyone in your local ecosystem.



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