Credit union · NCUA insured
Holyoke Credit Union Auto Loan Rates
Holyoke Credit Union auto loans start at 6.24% APR for a new vehicle and 6.24% for a used one. Rates checked October 15, 2026.
How Holyoke Credit Union’s auto loan rates compare
Compared with banks and credit unions near Springfield, MA, where Holyoke Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Holyoke Credit Union
6.24%APR
- Terms
- 24–63 months
Auto Loans
Lowest rate
MASSMUTUAL
4.49%APR
- Terms
- up to 60 months
2nd-lowest rate
BrightBridge Credit Union
4.99%APR
- Terms
- 49–66 months
Holyoke Credit Union auto loan score
65
Auto loan score
Higher than 13% of U.S. banks and credit unions
- New vehicleNew6.24%
- Used vehicleUsed6.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Holyoke Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Vehicle should be 9 years old or newer with 85,000 miles or fewer. Maximum loan amount is $100,000.00. Monthly minimum payment of $50.00. Required lender's single Interest insurance fee on all vehicle loans of $125.00. Actual rate based upon credit score. Up to 100% financing for qualified borrowers (up to 125% LTV available).
| Terms | APR | Conditions |
|---|---|---|
| 24–63 months | 6.24% | Model Year 2026-2021; 100% of Retail of NADA Book Value LTV (up to 125% LTV available); Payment per $1,000 borrowed is $18.66 based on highest number of months in term; Minimum loan amount $2,500 for 12- to 60-Month Financing |
| 64–75 months | 6.94% | Model Year 2026-2021; 100% of Retail of NADA Book Value LTV (up to 125% LTV available); Payment per $1,000 borrowed is $16.48 based on highest number of months in term; Minimum loan amount $15,000 for 61- to 72-Month Financing |
| 76–84 months | 8.50% | Model Year 2026-2021; 100% of Retail of NADA Book Value LTV (up to 125% LTV available); Payment per $1,000 borrowed is $15.84 based on highest number of months in term |
| 24–63 months | 7.00% | Model Year 2020-2018; 100% of Retail of NADA Book Value LTV (up to 125% LTV available); Payment per $1,000 borrowed is $19.02 based on highest number of months in term; Minimum loan amount $2,500 for 12- to 60-Month Financing |
| 64–75 months | 7.70% | Model Year 2020-2018; 100% of Retail of NADA Book Value LTV (up to 125% LTV available); Payment per $1,000 borrowed is $16.85 based on highest number of months in term; Minimum loan amount $15,000 for 61- to 72-Month Financing |
| 24–63 months | 7.95% | Model Year 2017-2016; 100% of Retail of NADA Book Value LTV (up to 125% LTV available); Payment per $1,000 borrowed is $19.47 based on highest number of months in term; Minimum loan amount $2,500 for 12- to 60-Month Financing |
Sources (3)
- holyokecu.com/consumer-loan/auto_loans/overview
- holyokecu.com/consumer-loan
- holyokecu.com/consumer-loan/consumer_loan_rates
All captured Oct 5, 2026
Motorcycle Loans
Rates Effective: 01/02/2025. Rates are subject to change without notice. Actual rate based on credit score. Up to 100% of Retail of NADA Book Value LTV. Minimum loan amounts: $2,500 for 12-60 months, $15,000 for 61-72 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.34% | Model Year 2026-2022; 100% of Retail of NADA Book Value LTV; Payment per $1,000 borrowed is $20.45; Minimum loan amount $2,500 for 12- to 60-Month Financing |
| 61–72 months | 8.74% | Model Year 2026-2022; 100% of Retail of NADA Book Value LTV; Payment per $1,000 borrowed is $17.90; Minimum loan amount $15,000 for 61- to 72-Month Financing |
| up to 60 months | 8.74% | Model Year 2021-2019; 100% of Retail of NADA Book Value LTV; Payment per $1,000 borrowed is $20.64; Minimum loan amount $2,500 for 12- to 60-Month Financing |
Sources (1)
- holyokecu.com/consumer-loan/consumer_loan_rates · captured Oct 5, 2026
Who can join Holyoke Credit Union
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