Holy Rosary Credit Union (NH)

Overview / Commentary
133 Brock St
Rochester, NH 03867

Holy Rosary Credit Union (NH) is headquartered in Rochester and is the 7th largest credit union in the state of New Hampshire. It is also the 825th largest credit union in the nation. It was established in 1962 and as of June of 2019, it had grown to 79 employees and 22,007 members at 5 locations. Holy Rosary Credit Union (NH)'s savings rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

HRCU (formerly known as Holy Rosary Credit Union) offers membership to anyone who lives, works, worships, or attends school anywhere in New Hampshire. Immediate family members of current HRCU members are also eligible to join.
See current membership details

Related Posts

HRCU (NH) 30-Month CD Special Now Earns 3.51% APY - 1/16/2019

HRCU (New Hampshire) has raised the rate on its 30-month CD Special to 3.51% APY. Minimum deposit is $500, with no stated balance cap. Also as an IRA.

View all posts from:

Reviews (2)

A Borrower's Bank

Banked here since I was 16.  Customer serivce is poor on the whole.  Accounts are totally fee-free, you basically have to bounce a check to pay for anything.  Deposit rates are absolutely miserable.

This is a great bank to get loans from.  I got my first credit card here as well as a small unsecured loan.  Even though I had virtually no credit history, my APR on the card was %9 and %7.5 on the loan.  They lend to anyone at very low rates.

Since I finished college and started making money I've pulled my funds from this bank and into places where I can earn interest.  Still considering them for a mortgage though as their rates are competitive across the board.

Suggestions for HRCU:  Everyone who lives in Dover/Rochester works in Portsmouth.  You should have a branch there.  Also, your website is really outdated.

Customer Service Nightmare

First, I want to start with the good. I opened a joint checking account with my parents when I was 16. When I ran out of money for school and was going to get kicked out, they gave me a $8000 loan even though I didn't have credit. I paid every dollar back and graduated.

At this point, I'm really, really frustrated with them. I do all my checking with another bank that gives me 4% rewards interest (compared to Holy Rosary's

s .2%). But every once in a while, I need to call them for something and its a nightmare. When I had to get a cash advance from their credit card, they gave me the wrong payoff amount and I ended up getting a collection notice for $2.75 . They made me pay a $3 fee to pay it off over the phone. When I asked for a credit limit increase, they ran a hard inquiry without my permission. I tried to get it reversed but I could only talk to this one person who was never there when I called. Finally I stopped using the card for a few years. I figured I should just run it once to keep it active, so I bought a 75 cent candy bar.

They flagged the transaction for fraud.

This Credit Union has been such a hassle that I will be closing my account, nostalgia aside. They just don't have the size, staff or technology to offer the service level that other banks do.


Health Grade Components

NCUA #65088
Year Chartered1962
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD5.14%
Annual Interest Income$5.6MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$298.1MM$280.4MM
LoansQ2 2019vs Q2 2018$214.7MM$200.5MM
DepositsQ2 2019vs Q2 2018$269.2MM$252.8MM
Equity CapitalQ2 2019vs Q2 2018$26.7MM$25.2MM
Loan Loss AllowanceQ2 2019vs Q2 2018$1.0MM$876.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$307.00K$513.00K
Real Estate OwnedQ2 2019vs Q2 2018$100.00K$100.00K
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Always verify rates and promotions with the bank or credit union. We are not Holy Rosary Credit Union (NH); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Holy Rosary Credit Union (NH) Savings Account Rates

2.00%*$10k*-Health Savings Checking Account
OTHER TIERS: 1.00% $5 - $2.5k | 1.50% $2.5k - $10k
2.00%*$5$1kHome Heating Club
OTHER TIERS: 0.05% $1k+
2.00%*$5$1kElements of Savings
OTHER TIERS: 0.05% $1k+
2.00%*$5$1kM3 Money Club
OTHER TIERS: 0.05% $1k+
0.50%$500-IRA Share
0.05%$5-Regular Shares
0.05%$5-Christmas Club

Holy Rosary Credit Union (NH) Money Market Rates

0.90%*$100k*-Personal Money Market
OTHER TIERS: 0.50% $2.5k - $10k | 0.60% $10k - $25k | 0.70% $25k - $50k | 0.80% $50k - $100k
0.90%*$100k*-Business Money Market
OTHER TIERS: 0.70% $25k - $50k | 0.80% $50k - $100k

Holy Rosary Credit Union (NH) Checking Account Rates

0.10%$100-Regular Checking

Holy Rosary Credit Union (NH) CD Rates

2.35%$500-60 Month CD
2.35%$500-Business 60 Month CD
2.15%$500-18 Month CD
2.15%$500-Business 18 Month CD
2.00%$500-9 Month CD Special
2.00%$500-Business 9 Month CD Special
1.80%$500-48 Month CD
1.80%$500-Business 48 Month CD
1.65%$500-36 Month CD
1.65%$500-Business 36 Month CD
1.40%$500-17 Months CD Special
1.40%$500-Business 17 Months CD Special
1.30%$500-24 Month CD
1.30%$500-Business 24 Month CD
1.10%$100$10k12 Month i$ave CD
1.00%$500-12 Month CD
1.00%$500-Business 12 Month CD
0.50%$500-6 Month CD
0.50%$500-Business 6 Month CD

Holy Rosary Credit Union (NH) IRA Rates

2.35%$500-60 Month IRA
2.15%$500-18 Month IRA
2.00%$500-9 Month IRA Special
1.80%$500-48 Month IRA
1.65%$500-36 Month IRA
1.30%$500-24 Month IRA
1.10%$500-17 Month IRA Special
1.00%$500-12 Month IRA
0.50%$500-6 Month IRA

Holy Rosary Credit Union (NH) Locations
Branch Office140 Wakefield StRochester, NH 03867
Branch Office341 NH Route 11Farmington, NH 03835-3842
Branch Office490 Central AveDover, NH 03820
Branch Office133 Brock StRochester, NH 03867
Branch Office50 Point Pl Unit 19Dover, NH 03820-4741

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