Credit union · NCUA insured
Holyoke Credit Union
A $299.4M credit union headquartered in Holyoke, MA, with 21,601 members and 3 branches in Massachusetts. Best rates: CDs 1.56% and savings 1.36% APY.
Holyoke Credit Union Carrot Score
70
Carrot Score
Higher than 27% of U.S. banks and credit unions
#12 of 22 in Springfield, MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Holyoke Credit Union
- Headquarters
- 490 Westfield Rd, Holyoke, MA 01040-1600
- NCUA charter
- 67875
Branches
3 branches in Massachusetts
Loading map…
Massachusetts
3 branches
- Holyoke OfficeMain office490 Westfield Rd, Holyoke, MA 01040Directions
- Agawam Office14 N Westfield St, Feeding Hills, MA 01030Directions
- West Springfield Office85 Elm St, West Springfield, MA 01089Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.16% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.43% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.48% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $85 | $76 | — |
- CapitalNet worth ratio9.16%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.43%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.48%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$85Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Holyoke Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.