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

February 2019  
February 2019

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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January 2019
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Unleash the Financial Power of Your Home's Equity!
Home Equity Lines of Credit at HCU

Apply for a Home Equity Line of Credit with Holyoke Credit Union and enjoy an introductory rate as low as 1.99% APR*! After 12 months, you'll enjoy the Prime Only rate that is currently 5.50% APR as of 2/4/19. With HCU, you can borrow up to 100% of your home's equity! Choose from one of our several Home Equity Lines of Credit and you'll be on your way to improving your home, paying for college tuition or consolidating high interest debt. Speak with one of our experienced Home Loan Specialists today!

Donna Lessard: (413) 278-6845

Sharon Hamel: (413) 278-6842

*For more information about rates and disclosure, please visit

Easily Send & Receive Money from Friends & Family with Popmoney!
Another great service at HCU!

As a Holyoke Credit Union member, you have access to Popmoney, which allows you to quickly send and receive money from anyone whose name and email address you have. If you’re interested in taking advantage of this service to simply and securely send and receive money, click here for the steps to get started.

You could save hundreds on your auto and home insurance.
TruStage™ Auto, Home, Condo and Renters Insurance Programs.

As a Holyoke Credit Union member, you have access to the TruStage™ Auto, Home, Condo and Renters Insurance Programs.  That means an opportunity to save money on a policy issued by Liberty Mutual – a leading auto and home insurer- available only to members like you.

As an added bonus, every Thursday you can come in to the Main Branch in Holyoke and speak to David Fesko, a Liberty Mutual representative and get a personalized quote.

If you would like to make an appointment with Dave, you can call him at 413-262-7059 or email him at

Be sure to ask Dave about the many different types of discounts that are available to you.

Holyoke Credit Union is on Instagram!
Follow us on Instagram

Holyoke Credit Union is excited to announce that we are now on Instagram! Stay up to date with news, updates and events happening with the credit union and enjoy financial tips, quotes and more by following us on Instagram. Visit or open your Instagram app and search for "Holyoke Credit Union" to follow our account.

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 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).

When You Should Increase Your Deductible
Scenarios that might justify a higher deductible

Discover what circumstances might legitimize a higher deductible, as well as some strategies for adjusting your deductible for different coverages.

The Hidden Costs of Loans
The unexpected rules and fees of a loan can be costly

Taking out a loan can be necessary to help you reach life goals like buying your own home or upgrading your car. While it’s great that you can qualify for these financial boosts, it’s important that you understand all the costs involved when you borrow money.

Should You Pay Down Debt or Save?
What’s makes better financial sense — saving or paying down debt first?

Should you put retirement savings first or is it better to be debt-free? Or is a combined effort your best plan of action on your quest for financial health and security?

How to Raise Capital for Your Business
Ways for your business to get the funding it needs

Very few people can raise the necessary capital themselves to launch a new business, especially if it is their first startup. Though a necessary part of the process, investing your own money may not be enough. How can you raise capital for your business, and where can you get it?

The History of Mardi Gras
Mardi Gras tradition traces deep roots
In cities around the world, and particularly in New Orleans, Mardi Gras fills the late days of winter with colorful revelry. If you’ve ever wondered how this annual tradition got its start, here’s a look at the roots of the holiday and how it developed in the United States.

The Truth About Vitamins
Are vitamins the support you need to improve or maintain your health?
From heart and cardiovascular support to improving cognitive functions, memory and digestion, there seems to be a vitamin that can solve your every health woe as well as prevent problems. With so many vitamins available on the market, how do you know which ones, if any, you should take?

Experience Southern Charm in Chattanooga, Tennessee
Visit the city that Glenn Miller made famous
Situated along the Tennessee River in the foothills of the Appalachian Mountains, Chattanooga bridges the gap between Tennessee and Georgia, blending the Southern charm, beauty and culinary heritage of both states.

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