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

July 2020  
July 2020

Specials
Back to School Rewards!
TRIPLE POINTS on All Retail Purchases*


*Starting on August 15, 2020 until September 30, 2020, HCU is offering TRIPLE POINTS on all retail purchases made with your HCU Visa Platinum Rewards Credit Card after the first $500 spent.

Are your children going back to school or heading off to college? Then it’s time to stock them up with back to school supplies and clothes!  Perhaps you just need a few new outfits for the fall and winter?  Now is the time to take advantage of HCU’s Back to School Rewards Program!


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Banking at Holyoke Credit Union
Welcome Back!

On Monday, June 29, 2020, HCU reopened our Holyoke and Feeding Hills branches to limited traffic.   In Holyoke only 5 members at a time are allowed in the branch while in Feeding Hills, 3 members are allowed.  The West Springfield branch remains closed until further notice.

All HCU ATMs remain open for use including those in West Springfield.  And, HCU has added another ATM to the Holyoke branch for your convenience.
For those who need to see a Member Service Advocate, we are asking members or potential new members to make an appointment to be seen by calling:

In Holyoke – 413-341-0133
Feeding Hills – 413-278-6840





Credit Cards Help to Build Credit
Low Rates! Great Rewards! Build Credit! – A Win-Win-Win!

Having a credit card is important because it can help you build credit quickly. Think ahead, you are going to need credit in the future to buy a car or a house, for emergencies, for large purchases, etc. The possibilities are endless.

Here’s how you can use a credit card to build credit.  Use your credit card to buy only what you can afford to pay back and, at the end of the month, pay it back in full.  Not only will this help you build credit but you will not have any interest to pay back.

But be careful!  Credit cards do have risks.  Maxing out your credit card and only paying the minimum balance each month will hurt your credit score.  So using your card responsibly is of the utmost importance.  One essential lesson to be learned is to pay your bill on time, every time!




Financial Education for Today's Economy
7 Tips to Help You Ditch Your Debt

Managing your debt can be a challenge – especially during turbulent economic times. If this is something you struggle with, know that you are not alone. Consumer debt was approaching $14 trillion after the second quarter of 2019, according to the New York Federal Reserve.




2020 Holyoke Credit Union Scholarship Recipients
Congratulations to this year’s HCU Scholarship recipients!

Holyoke Credit Union (HCU) Board of Directors would like to announce the winners of the 2020 Holyoke Credit Union Scholarship.

Dennis Moran, Thomas Paquin and Michael Ghazil, members of the HCU Board of Directors, and members of the Scholarship Committee, have been given the task of choosing the recipients of the scholarships.  This year, from a field of 33 applicants, Michael Lukasiewicz, Emma Gale and Kaleb Hogan were chosen.

Each recipient received $500 to put toward his/her college expenses.




Steering Clear of Student Aid Scams
Protect your identity and your financial future

There’s no shortage of scammers that are ready and willing to take advantage of you during this busy, exciting and often confusing part of your educational career.




Learn More About Direct Deposit
Are you taking full advantage of the benefits of direct deposit?

It’s easy to take conveniences like direct deposit for granted without fully understanding how it works or why you should use it.




Why You Need to Update Your Business Plan
Keep your business plan updated as your business grows

Now that your company is up and running, your business plan might not be an accurate representation of your new goals, the state of the market, and your enterprise’s worth.




5 Ways to Help Your Kids Get Ready for School
Simple tweaks to help ready your kids for school in the fall
School is almost back in session, and after a long summer, your kids will need to switch from their carefree, summer-loving mindset into student-mode.



Best Coupon Sites for Families
Best coupon sites to help your family save money
If you’re looking for ways to stretch your family’s dollar, it’s time to get creative with a tried-and-true savings tool — coupons.



How to Keep Your Skin from Drying Out
Rejuvenate and rehydrate skin cells for healthier, younger-looking skin
Dry skin isn’t just an eyesore, it can be itchy and uncomfortable. Restore moisture to your skin with these helpful strategies.



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