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

October 2018  
October 2018

Specials
The Companion Deposit Account
A great rate & total liquidity!


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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TRIPLE Holiday Reward Points!
It’s a golden opportunity!

They’re almost here!  The holidays, of course! Get the most out of your holiday shopping by using your Holyoke Credit Union VISA Platinum Rewards Credit Card.

You will get TRIPLE POINTS on all retail purchases after the first $500 spent from November 19, 2018 to January 7, 2019.





A Bed for Every Child
HCU Employees donate to the cause.

Holyoke Credit Union employees recently donated $250 to the “A Bed for Every Child” initiative.  HCU employees, who participated in the weekly Dress Down Fridays, raised the money for this donation.  Those wanting to dress down on Friday pay $5.00 and the money goes to a local charity.

“A Bed for Every Child” was started by the Massachusetts Coalition for the Homeless who partners with public schools to assist students whose families are at risk of becoming homeless.

A good night's sleep has a major effect on a child's ability to come to school prepared to learn; falling behind due to a lack of sleep can have negative long term consequences on a student's education and future. A proven pathway out of homelessness is to ensure children of low-income families receive an education that will allow them to graduate from high school. To do this, these children must have the tools they need to succeed. One of these tools is a bed.

“We are very pleased to be able to participate in this wonderful fundraiser and to know that local children will benefit from our Dress Down Fridays.”, said HCU’s Retail Banking Officer, Adrienne Scott.



Student Loan Forgiveness
These programs can reduce or completely do away with your student loans if you qualify

Student loan forgiveness offers assistance with the repayment of student loans by reducing the loan amount or eliminating debt altogether, and it’s a particularly helpful program for those who qualify.




Applying for Loans Online
Applying for a loan online is quick and easy, but is it the right choice for you?

If you need a loan for one reason or another, the ability to apply online eliminates the need to leave the house, but it may seem a bit risky given the gravity of the decision. Is it a good idea to apply for a loan online?




The Cost of Moving vs. Home Improvement
Weighing your options between upgrading and moving out altogether

Is packing up and moving the most cost-effective way to put down roots? Or would you be better off trying to make your home improvement project a reality?




CLUB ACCOUNTS
Another great savings product at HCU!

Are you looking for ways to save money for specific a purpose such as a vacation, the upcoming holidays or for some other personal reason such as a down payment on a car or house or maybe that much-needed emergency fund we always hear about?  Well, HCU has the answer.




4 Ways to Retain Top Employees
Don’t lose the best to someone else

Once you have an ideal group of personnel, how do you keep them from leaving? While some degree of turnover is expected, if you take action now it will go a long way in keeping your employee group stable.




3 Ways to Save on Pet Expenses
Reduce the cost of having pets with these useful tips
If you want to ensure that your pet has only the best while saving a bit of money in the process, consider these tips.



Kid-Friendly Halloween-Themed Movies
The following films deliver chills to children without scaring them too much
Halloween is the perfect time of year for thrills and chills. However, if you have little ones who want to join in the festivities, you’ll want to make sure things don’t get too frightening. For spooky films the entire family can enjoy, consider these kid-friendly options this Halloween.



Tips for Saving Money on Clothing
Get the wardrobe you want without spending a bundle
With so many occasions and seasons to dress for, your clothing budget can easily get out of hand. These tips will help you stay fashionable while being more frugal.



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