Holyoke Credit Union Savings & Money Market Rates

How Holyoke Credit Union’s savings 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
3.35%APY
Requires
Another account
Minimum
$10
Earns on $10,000 a year
$335
Companion Deposit Account
Top rate
Country Bank for Savings
3.60%APY
Requires
Another account
Minimum
$10
Earns on $10,000 a year
$360
Country Bank for Savings rates
2nd-highest rate
Polish National Credit Union
3.50%APY
Requires
None
Minimum
$10,000
Earns on $10,000 a year
$350
Polish National Credit Union rates

Compare savings rates near you →

Savings score

Higher than 85% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.10%
$10,000 balance$10,0001.36%
$100,000 balance$100,0001.97%
QualifiedQualified3.35%

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.

How the score works →

Where Holyoke Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Companion Deposit Account

3.35%APYRequirements apply$10 to open

Accounts must be associated with a CD. Rate may change after account opening. Fees could reduce earnings on the account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$10 and upAccounts must be associated with a CD. Rate may change after account opening. Fees could reduce earnings on the account.$10 and up	3.35%	$335	Accounts must be associated with a CD. Rate may change after account opening. Fees could reduce earnings on the account.

Sources (2)

All captured Oct 5, 2026

Select Money Market Account

Up to 1.36%APY$10 to open

Tiered-rate account offering higher interest on higher balances. Rate may change after account opening.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Rate may change after account opening.	0.10%	$10	Rate may change after account opening.
$2,500 and upRate may change after account opening.	1.36%	$136	Rate may change after account opening.
$25,000 and upRate may change after account opening.	1.66%	—	Rate may change after account opening.
$75,000 and upRate may change after account opening.	1.97%	—	Rate may change after account opening.

Sources (2)

All captured Oct 5, 2026

Savers Money Market Account

0.01%APY$10 to open

Variable money market interest rate with no minimum balance requirement to earn the stated APY.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Variable money market interest rate.Over $0	0.01%	$1	Variable money market interest rate.

Sources (3)

All captured Oct 5, 2026

Statement Savings Account

0.01%APY$10 to open

Monthly maintenance service charge of $5.00 waived when a minimum average daily balance of $500.00 is maintained in the account during the statement cycle. Rate may change after account opening. Fees could reduce earnings on the account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upMonthly maintenance service charge of $5.00 waived when a minimum average daily balance of $500.00 is maintained in the account during the statement cycle. Rate may change after account opening. Fees could reduce earnings on the account.$100 and up	0.01%	$1	Monthly maintenance service charge of $5.00 waived when a minimum average daily balance of $500.00 is maintained in the account during the statement cycle. Rate may change after account opening. Fees could reduce earnings on the account.

Sources (3)

All captured Oct 5, 2026

Special-purpose accounts

Smart Start Savings Account

3.79%APYKids and teens$10 to open

Available for youth ages 0–17 (through age 17, until their 18th birthday). Members under age 18 must open the account with a parent or legal guardian. Upon reaching age 18, the account will automatically transition to a Savers Money Market Account. Rates are variable and may change at any time after account opening. Membership eligibility required. Fees, if any, may reduce earnings.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Tier 1. Available for youth ages 0–17 with parent or legal guardian. Variable rate.	3.79%	$379	Tier 1. Available for youth ages 0–17 with parent or legal guardian. Variable rate.
Over $10,000Tier 2. Available for youth ages 0–17 with parent or legal guardian. Variable rate.	0.10%	—	Tier 2. Available for youth ages 0–17 with parent or legal guardian. Variable rate.

Sources (1)

holyokecu.com/personal/deposit-rates · captured Oct 5, 2026

IRA Money Market Account

0.10%APYIRA$10 to open

A penalty may be imposed for early withdrawal. Rate may change after account opening.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Over $0A penalty may be imposed for early withdrawal. Rate may change after account opening.	0.10%	$10	A penalty may be imposed for early withdrawal. Rate may change after account opening.
$25,000 and upA penalty may be imposed for early withdrawal. Rate may change after account opening.	0.15%	—	A penalty may be imposed for early withdrawal. Rate may change after account opening.
$75,000 and upA penalty may be imposed for early withdrawal. Rate may change after account opening.	0.20%	—	A penalty may be imposed for early withdrawal. Rate may change after account opening.

Sources (1)

holyokecu.com/personal/deposit-rates · captured Oct 5, 2026

All-Purpose Club

0.01%APYClub$10 to open

Matures second Monday in June. Automatically renews every year. Rate may change after account opening. Fees could reduce earnings on the account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Matures second Monday in June. Rate may change after account opening. Fees could reduce earnings on the account.Over $0	0.01%	$1	Matures second Monday in June. Rate may change after account opening. Fees could reduce earnings on the account.

Sources (3)

All captured Oct 5, 2026

Christmas Club

0.01%APYClub$10 to open

Matures second Monday in October. Automatically renews every year. Rate may change after account opening. Fees could reduce earnings on the account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Matures second Monday in October. Rate may change after account opening. Fees could reduce earnings on the account.Over $0	0.01%	$1	Matures second Monday in October. Rate may change after account opening. Fees could reduce earnings on the account.

Sources (3)

All captured Oct 5, 2026

Vacation Club

0.01%APYClub$10 to open

Matures second Monday in February. Automatically renews every year. Rate may change after account opening. Fees could reduce earnings on the account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Matures second Monday in February. Rate may change after account opening. Fees could reduce earnings on the account.Over $0	0.01%	$1	Matures second Monday in February. Rate may change after account opening. Fees could reduce earnings on the account.

Sources (3)

All captured Oct 5, 2026

Who can join Holyoke Credit Union

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How Holyoke Credit Union’s savings rates compare

Holyoke Credit Union savings score

Current savings rates

Companion Deposit Account

Select Money Market Account

Savers Money Market Account

Statement Savings Account

Special-purpose accounts

Smart Start Savings Account

IRA Money Market Account

All-Purpose Club

Christmas Club

Vacation Club

Who can join Holyoke Credit Union