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

January 2019  
January 2019

Specials
The Companion Deposit Account
A great rate at 1.95%!


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.

The Companion Deposit Account – An account to accompany newly issued CDs that provides savers the best in savings – HIGH YIELD and NO TIME COMMITMENT.



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Affected By the Government Shutdown?
We are here to help!

We know that the government shutdown is stressful for many of our members.

We may be able to help if you’re concerned about paying your Holyoke Credit Union mortgage, credit card, auto loan or other loan because you are affected by the shutdown. Please call our Retail Banking Officer, Adrienne Scott at 413-278-6852 so we can discuss your accounts—we want to help you avoid the negative consequences for missing a payment, such as being charged a late fee or reporting a late payment to a credit bureau.

Further, if you’re a federal employee whose paycheck was last direct-deposited into a Holyoke Credit Union account in November 2018, we're waiving or refunding some fees on your Holyoke Credit Union checking and savings accounts.

Again, please call our Retail Banking Officer, Adrienne Scott at 413-278-6852 if you need help with your Holyoke Credit Union accounts.

At Holyoke Credit Union, you are not alone!



Holyoke Credit Union is now on Facebook!
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First Time Home Buyer Classes
Home buying season is right around the corner!

Home buying season is right around the corner.  Are you prepared?

Are you a first time homebuyer or someone who is in the housing market after a long hiatus?  A first time homebuyer class might just be the thing you need to help you understand the whole home buying process or to get certified for special first-time homebuyer loans.

Continue reading for a list of Homebuyer Counseling Agencies in Hampden and Hampshire Counties that hold First Time Homebuyer Classes.





Members Save Up to $15 on TurboTax and Get a Chance to Win $25K!
Start saving in 2019!

This year, get your biggest possible tax refund and a chance to win $25,000.  TurboTax is up-to-date on the latest tax laws and guarantees 100% accurate calculations, so you can be confident your taxes are done right. Plus, you’ll be automatically entered to win $25,000 when you try TurboTax Online for FREE by February 14th.  And as a credit union member you can on TurboTax. To enter the sweepstakes and access the member discount, click on the TurboTax web banner located on our credit union’s website. Start today and save!

More Savings with Love My Credit Union Rewards!

In addition to the TurboTax discount, members have saved nearly $2 billion with exclusive offers Sprint®, ADT, TruStage, and cash back shopping with Love to Shop. The more offers you take advantage of the more you save.  Visit HCU's website or click here to start saving today!



2019 Holyoke Credit Union Scholarship Opportunities
Another great membership benefit!

The Holyoke Credit Union Scholarship Program will be awarding three (3) $500 college scholarships this year to eligible students. Eligibility is open to high school seniors who will be enrolled in an undergraduate college degree program during the 2019-2020 academic year and upperclassmen (students already enrolled in college).

Please see below for the cover letter and application, come into any branch to pick one up or go online to www.holyokecu.com for an electronic copy.





2019 Pioneer Valley Chapter CU College Scholarship Program
A Division of the Cooperative Credit Union Association

The Pioneer Valley Chapter’s Scholarship Committee will be awarding eight (8) $2,000 Chapter Scholarships and one (1) $1,500 Cooperative Credit Union League Scholarship.  Information regarding eligibility for these scholarships is listed below.
  1. Eligibility is limited to high school seniors who will be enrolled in an undergraduate college degree program during the 2019-2020 academic years.
  2. Applicant or parent/guardian must be a member of Holyoke Credit Union (the sponsoring credit union).
  3. Each applicant must complete a current 2019 Scholarship Application form and submit it with the other required material to Holyoke Credit Union (the sponsoring credit union).





Start the New Year off Right with These Savings Tips
Fresh financial habits to maximize your savings

A new year is a great time for a money makeover. If you struggle with saving, or want to save even more than you do already, here are seven strategies worth implementing.




Methods for Improving Your Car’s Resale Value
How to get a better trade in your old car

There comes a time in every driver’s life when he or she must upgrade to a new ride. If you can’t sell or trade your car for what you expect, the process of getting a new ride can be extra stressful.




Start 2019 Off on the Right Foot
with a Simply FREE Checking Account!

Start 2019 Off on the Right Foot with a Simply FREE Checking Account!

Get the most from your checking account when you open a Simply FREE Checking Account with Holyoke Credit Union. Our Simply FREE Checking account features no monthly maintenance fee, a free MasterMoneyTM Debit Card with Cash-Back Debit rewards, free Online Banking, Mobile Banking & Bill Payment and more. Open your account today by visiting your local Holyoke Credit Union Branch or at www.holyokecu.com/personal/personal-checking/simply-free-checking and you'll receive a $50* Bonus!

*Direct deposit required to receive bonus. Other stipulations may apply.



Short-Term vs. Long-Term Business Loans
Get the financial help you need at a term suitable for your business

Sometimes, companies need a hand getting by when the market changes or unexpected costs arise. In other situations, a business needs a bigger boost to push it to a new operating level. In both instances, short- and long-term business loans are helpful.




How to Tackle Clutter in Your Home
Ways to free your home of chaos
If your home resembles an untidy mess rather than the peaceful sanctuary you long for, now is the time to get serious about decluttering.



Tips for Beating the Winter Blues
Ward off the winter doldrums with these healthy habits
Do holiday stress and shorter days have you feeling grumpy and lethargic? Try these tips and say goodbye to the winter blues.



Fast-Track Your FAFSA
Make sure you are prepared to get the help you deserve
Congratulations if you were accepted into one of the U.S.’s institutions of higher learning for the 2019-2020 school year. Now, it’s time to fill out the Free Application for Free Student Aid form, which opened for submissions on Oct. 1.



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