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 812th largest credit union in the nation. It was established in 1962 and as of December of 2023, it had grown to 76 employees and 22,569 members at 4 locations. Holy Rosary Credit Union (NH)'s money market rates are 4X the national average, and it has a B+ 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 or York County, Maine. Immediate family members of current HRCU members are also eligible to join.
See current membership details

Reviews (4)

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  Also, your website is really outdated.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.

Customer 20+ Years

Posted by: |

Customer service experience questionable in certain situations especially when dealing message issues.
Could say more but won't.
Senior citizen and have had issues with HRCU from certain departments handling business of my accounts and how I've been treated.
At this point it's comes down to how much money you have with them. Seriously complementing taking my accounts elsewhere.

They Don't Treat You Like A Human

Posted by: |

I’ve had a car loan with HRCU for a few years with autopay set up, and have never had trouble making payments on time. In December we were moving funds around for the holidays and didn’t even realize a payment was missed. HRCU didn’t call me until the beginning of January to let me know about a missed payment, and as soon as they did I made both months payments that same day to get my account up to date. Come to find out though at the same exact time, they also hit my credit report, which I’ve been working to improve for over 10 years, with a 30-90+ day delinquency, that brought my credit score down 100 points. Then they told me on the phone over and over again that they won’t do anything to help me or reverse the delinquency, and the delinquency will be on my credit report for 7 years, all because of one late missed payment that I didn’t even realized I had missed and corrected immediately at the beginning of the next month as soon as they called me. If you’re looking for a bank to do business with, or just a place that will work with you and truly treat you fairly, don’t come anywhere near HRCU.


Health Grade Components

NCUA #65088
Year Chartered1962
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD9.14%
Annual Interest Income$15.6MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$425MM$414.4MM
LoansQ4 2023vs Q4 2022$267.5MM$257.5MM
DepositsQ4 2023vs Q4 2022$389.4MM$383.9MM
Equity CapitalQ4 2023vs Q4 2022$32.9MM$27.8MM
Loan Loss AllowanceQ4 2023vs Q4 2022$1.5MM$1.4MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$803K$733K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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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%*$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+
0.55%*$10k*-Health Savings Checking Account
OTHER TIERS: 0.10% $5 - $2.5k | 0.30% $2.5k - $10k
0.55%*$10k*-Business Health Savings Checking Account
OTHER TIERS: 0.30% $2.5k - $10k
0.50%*$5$10kDREAM Club Share
OTHER TIERS: 0.05% $10k+
0.35%*$100k*-IRA Share
OTHER TIERS: 0.15% $500 - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k
0.05%$5-Regular Shares
0.05%$5-Christmas Club

Holy Rosary Credit Union (NH) Money Market Rates

1.75%*$250k*-Personal Money Market
OTHER TIERS: 0.05% Up to $2.5k | 0.50% $2.5k - $25k | 0.60% $25k - $50k | 0.75% $50k - $100k | 1.50% $100k+
1.75%*$250k*-Business Money Market
OTHER TIERS: 0.60% $25k - $50k | 0.75% $50k - $100k | 1.50% $100k - $250k

Holy Rosary Credit Union (NH) Checking Account Rates

0.05%$100-Regular Checking

Holy Rosary Credit Union (NH) CD Rates

4.50%$500-10 Month CD Special
3.50%$1k-3 Month CD Special
3.00%$500-60 Month CD
3.00%$500-Business 60 Month CD
2.50%$500-48 Month CD
2.50%$500-Business 48 Month CD
2.00%$500-36 Month CD
2.00%$500-Business 36 Month CD
1.75%$500-24 Month CD
1.75%$500-Business 24 Month CD
1.50%$500-18 Month CD
1.50%$500-Business 18 Month CD
1.35%$100$10k12 Month i$ave CD
1.35%$100$10kBusiness 12 Month i$ave CD
1.25%$500-12 Month CD
1.25%$500-Business 12 Month CD
1.10%$500-6 Month CD
1.10%$500-Business 6 Month CD

Holy Rosary Credit Union (NH) IRA Rates

4.50%$1k-10 Month IRA Special
3.50%$1k-3 Month IRA Special
3.00%$500-60 Month IRA
3.00%$500-Business 60 Month IRA
2.50%$500-48 Month IRA
2.50%$500-Business 48 Month IRA
2.00%$500-36 Month IRA
2.00%$500-Business 36 Month IRA
1.75%$500-24 Month IRA
1.75%$500-Business 24 Month IRA
1.50%$500-18 Month IRA
1.50%$500-Business 18 Month IRA
1.25%$500-12 Month IRA
1.25%$500-Business 12 Month IRA
1.10%$500-6 Month IRA
1.10%$500-Business 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

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