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

May 2018  
May 2018

Specials
Introducing the Companion Deposit Account
1.55% APY*


Holyoke Credit Union understands that savings account rates are typically low.  This is the reason we are now offering an account that offers a great rate combined with total liquidity.  We understand that many members are reluctant to tie up all of their funds in fixed-term CDs and would prefer to keep part of their money in easy-to-access cash.


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New Member Solutions Call Center
Another Great Member Service!

Nothing is more frustrating than trying to call the credit union and not having your call answered.  We understand and we have done something about it!

Introducing…HCU’s New Member Solutions Call Center

Starting May 2, 2018, our Call Center began answering calls from our members.

With this new service we hope to:
  • Answer all calls, questions or problems in a timely manner
  • Better serve our members
  • Make your banking experience with HCU the most convenient possible
Just call 413-532-7007 as usual and your call will be answered promptly, your issue immediately solved or directed to the appropriate department.

The Call Center’s hours are:

Monday – Friday        8:00 am – 8:00 pm
Saturday                   9:00 am – 1:00 pm
Sunday                   10:00 am – 2:00 pm

Call us when you need us!  We look forward to serving you!



Homebuyer Terminology 101
Article #3 - Mortgage Underwriting and the Closing

Homebuying IS a lengthy process, but you are almost there!

You’ve chosen the house, locked-in your rate and ordered your appraisal.   Now it is time for HCU to get to work on your loan application.





2018 Holyoke Credit Union Scholarship Recipients
Congratulations & Best Wishes!

Holyoke Credit Union (HCU) awarded three (3) scholarships at a recent ceremony for its 2018 Scholarship Program.

Dennis Moran, Thomas Paquin and Michael Ghazil, members of the HCU Board of Directors and the Scholarship Committee, presented awards to Madison Lockwood of Feeding Hills, Myriam Diaz of Holyoke and Olivia Acevedo of West Springfield.


Thomas Paquin, Myriam Diaz, Madison Lockwood, Olivia Acevedo, Dennis Moran and Michael Ghazil





HCU's 2018 Pioneer Valley Chapter Scholarship Awardee
Congratulations & Best Wishes!

The Pioneer Valley Chapter of the Cooperative Credit Union Association (CCUA) held its scholarship awards night on May 8, 2018 at the Castle of the Knights in Chicopee.  Holyoke Credit Union’s Joseph Werenski of South Hadley was one of the winners of a $2,000 scholarship from the CCUA.


From Left to Right: HCU Directors Karl Schmaelzle, Thomas Paquin, Dennis Moran, Robert Swan and Joseph Werenski (center)





4 Ways to Pay Off Your Mortgage Quicker
Save thousands by paying off your mortgage early

Mortgage payments can be a major drain on your budget. Paying off the minimum amount each month can be helpful in the short term, but the extra interest and duration of the loan can make a significant dent in your long term spending power. Fortunately, there are a few simple ways to pay off your mortgage quicker and finally free your budget.




6 Ways to Improve Your Credit Score
Practical steps to enhance the health of your finances

Having a healthy credit score is necessary if you wish to apply for loans to help finance big-ticket expenses such as a house or a higher education. If your credit score needs a boost, don’t despair. Here are six practical strategies to increase it.




Small-Business Grants for Minorities
Tips for finding funds to help your business get off the ground

If you are a prospective minority business owner looking for seed money to grow your dream, there are some useful resources available that enable you to get the grants you need to get started.




Should You Sell or Trade In Your Car?
A guide to determine what to do with your old ride
When the time comes, you can either sell your current car or trade it in during the process of getting a new vehicle. Either of these methods can be beneficial, depending on your desired outcome. Consider the pros and cons for each before you make your final decision.



Foods to Avoid Before Bedtime
Avoid these foods for a good night’s sleep
A sleepless night leads directly to a sluggish morning and a lackluster day often marked by crabbiness, crankiness and irritability. What you might not know is that one of the leading contributors to a poor night’s sleep is what you eat or drink before bed. To ensure a positive and productive day by way of a full night of fulfilling rest, make sure that your pre-bedtime meals exclude these foods.



How to Find That Perfect Summer Job
Avoid the dreaded summertime blues with these job hunting tips
Many students and young adults consider summer to be a time for rest and relaxation. However, numerous young professionals in high school, college and beyond recognize the opportunities available during the summer months. If you’re looking for a seasonal career opportunity this year, consider the following tips to help you find that perfect summer job.



How to Celebrate Father’s Day on a Budget
Give your dad a frugal Father’s Day he’ll never forget
With Father’s Day coming soon, it’s time to start thinking about how to give your dad the best June 17 possible. Even if you can’t afford to buy him a new grill, take him to an expensive steakhouse or get him front-row tickets to the big game, there are still plenty of budget-conscious ways to celebrate his special day.



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