Credit union · NCUA insured
Holyoke Credit Union CD Rates
Holyoke Credit Union’s best CD rate is 1.56% APY on a 3-year share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 15, 2026.
How Holyoke Credit Union’s CD rates compare
Compared with banks and credit unions near Springfield, MA, where Holyoke Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Holyoke Credit Union
1.56%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $475
Certificates of Deposit
Top rate
Freedom Credit Union
4.50%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $566
2nd-highest rate
MASSMUTUAL
4.33%APY
- Term
- 15 months
- Requires
- Conditions apply
- Minimum
- $500
- Earns on $10,000
- $544
Holyoke Credit Union CD score
62
CD score
Higher than 6% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo1.01%
- 16–30 months16–30 mo1.51%
- 31–60 months31–60 mo1.56%
- QualifiedQualified1.56%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Holyoke Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 1.56%APY · 9 terms
A penalty may be imposed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsA penalty may be imposed for early withdrawals | 0.70% | $29 |
| 6 monthsA penalty may be imposed for early withdrawals | 0.75% | $37 |
| 12 monthsA penalty may be imposed for early withdrawals | 1.01% | $101 |
| 18 monthsA penalty may be imposed for early withdrawals | 1.31% | $197 |
| 24 monthsA penalty may be imposed for early withdrawals | 1.36% | $274 |
| 30 monthsA penalty may be imposed for early withdrawals | 1.51% | $382 |
| 36 monthsA penalty may be imposed for early withdrawals | 1.56% | $475 |
| 48 monthsA penalty may be imposed for early withdrawals | 1.56% | $639 |
| 60 monthsA penalty may be imposed for early withdrawals | 1.56% | $805 |
Sources (1)
- holyokecu.com/personal/deposit-rates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 1.56%APY · 9 terms
A penalty may be imposed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsA penalty may be imposed for early withdrawals | 0.70% | $29 |
| 6 monthsA penalty may be imposed for early withdrawals | 0.75% | $37 |
| 12 monthsA penalty may be imposed for early withdrawals | 1.01% | $101 |
| 18 monthsA penalty may be imposed for early withdrawals | 1.31% | $197 |
| 24 monthsA penalty may be imposed for early withdrawals | 1.36% | $274 |
| 30 monthsA penalty may be imposed for early withdrawals | 1.51% | $382 |
| 36 monthsA penalty may be imposed for early withdrawals | 1.56% | $475 |
| 48 monthsA penalty may be imposed for early withdrawals | 1.56% | $639 |
| 60 monthsA penalty may be imposed for early withdrawals | 1.56% | $805 |
Sources (1)
- holyokecu.com/personal/deposit-rates · captured Oct 5, 2026
Who can join Holyoke Credit Union
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