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

July 2019  
July 2019

Specials
American Credit Unions Just Turned 85
Do you know what they are?


The name Edward Filene might inspire fond memories of deep discounts and the annual “running of the brides" here in the Boston area, but his legacy — cemented 85 years ago today — goes well beyond his famed "Basement" stores. The department store magnate is also known as the father of the American credit union movement.

Today, credit unions may look and act much like banks, but they are a different animal.



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Credit Union Magic Minute
Win a Magical Shopping Spree

Calling all HCU Rewards Credit Card Users!  Once again Holyoke Credit Union is participating in the Magic Minute Shopping Spree Campaign.  Members who have a rewards card with HCU are eligible to join the sweepstakes.

Just go to CURewards to sign up then use your credit card* three times per week for a chance to win! No purchase is necessary to win but you do need to register.

Enter to win an all expense trip to Chicago to participate in a minute-long shopping spree in the CURewards warehouse.

You’ve seen it on TV, right? Someone in a mad dash down the aisles, grabbing items left and right while trying to beat the clock. And you may have wondered how it might feel to be that person. Well, maybe it’s time to find out.

If you win you will be sent to Chicago, IL with airfare, hotel room, meals and entertainment all included.

Come to think of it, calling it a Magic Minute is not exactly accurate. It's more like days of Magic Minutes, if not the trip of a lifetime.
 
Enter a chance to win now!

Go to CURewards to enter.

Visit www.cumagicminute.com for details. 

*No purchase necessary to enter to win. Open to eligible card holders who are legal residents of the 50 U.S. states, D.C. or Puerto Rico, 21 years or older, who are enrolled in a participating credit union CURewards program. Entry periods begin 6/24/2019 and end 9/29/2019. Void where prohibited. See full rules and how to enter without purchase at www.cumagicminute.com. Sponsor: PSCU, 560 Carillon Parkway, St. Petersburg, FL 33716.



Introducing Celia Alvarado
Small Business Lending Officer

Recently, HCU has brought on board a new member to our commercial lending team, Celia Alvarado, HCU’s Small Business Lending Officer.

Celia comes to us with over 10 years of local banking experience and specializes in developing new business relationships in the Greater Springfield area.

“It’s exciting to be part of a local credit union, which allows its employees to take the time to get to know their members. Joining the lending team at Holyoke Credit Union has reinforced my commitment to building strong business relationships.”

Celia enjoys giving back to the community, volunteering for the Sandwich Ministry at St. Catherine’s of Sienna, Junior Achievements of Western Mass, Revitalize Springfield, and many other non-profit organizations. Come see her for any of your business financing needs.

Celia can be reached by calling 413-420-7023 or by email at calvarado@holyokecu.com.  Her office will be located in the main office at 490 Westfield Road, Holyoke, MA 01040.

Please join us in welcoming Celia Alvarado to Holyoke Credit Union.



Smoothing the Way!
The Holyoke Branch Will Be Closed for Repaving

Now that the good weather is upon us, we are taking the steps necessary to improve the parking lot and to provide a smoother and safer entrance to HCU. Therefore, on Saturday, August 10, 2019, HCU’s main office will be closed for repaving for four days, opening again on Wednesday, August 14, 2019.

Although the main branch will be closed, our other 2 branches will be open for business and staffed appropriately to handle your banking needs. These branches are located at:
  • 333 Elm Street, West Springfield, MA 01089
  • 14 North Westfield Street, Feeding Hills
For our ATM users, you can use the participating ATMs listed on the SUM Network and the MoneyPass Network at no charge.

And, of course, the following banking methods are available to you as a member at HCU:
  • Online banking
  • Mobile banking
  • ApplePay, Android Pay and Mobile Wallets
  • Remote Deposit Capture
  • PopMoney/Venmo
Please let us know if you need assistance with any of these banking functions before the repaving in order to minimize any inconvenience this may cause.

We thank you in advance for your understanding and patience while we improve our Holyoke location.



The Ins and Outs of Online Check Deposits
How to spare yourself another trip to the ATM
https://holyokecu.com/personal/remote-banking-serv...

Your smartphone camera does more than take selfies. It can also be used to snap pictures of paper checks for mobile deposit, a method of banking that is growing in popularity in America.




What to Do If You Can’t Afford Car Payments
Getting back out in front when you’re behind on car payments

You don’t drive a new car out of the showroom thinking that you’ll ever become delinquent on your payments. Unfortunately, life sometimes has different plans for you.




Smart Home Upgrades to Save Money in the Long Run
Home upgrades designed to save you money in the future

You want your home to be as comfortable, efficient and as beautiful as it can be. However, deciding which home improvement projects or upgrades to invest in can be confusing.




Planning for Retirement in Your 30s
Tips for securing your financial future

Whether you’re playing catch-up or fine-tuning established investments, your 30s is a crucial decade for strengthening your financial future.




Opening a Business Credit File
How to establish your business’s credit record

If you hope to secure loans for your business and build a trustworthy reputation, it’s wise to establish business credit history separately from your personal credit.




When to Start Saving for the Holidays
Strategies for a debt-free holiday season
Although summer is in full swing and the holidays seem like they’re a world away, it’s never too early to plan for the holidays.



Wedding Attire Do’s and Don’ts
Dress your best as a wedding guest
Finding the perfect outfit for a wedding can be a fashionable conundrum. You want what you wear to honor the special occasion, keep you comfortable and prevent you from getting sideways glances from other guests.



Tips for Saving Money on Textbooks
Shop smarter when buying college textbooks
When you head off to college, you expect to make new friends and have new experiences. Unfortunately, not all new experiences are fun — like paying $300 for a book on biology.



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