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Holy Rosary CU (NH)

Popular Accounts at this Credit Union

2.00%5-year CD60 Month Share Certificate
0.40%1-year CD12 Month Share Certificate
0.05%SavingsRegular Share

Overview / Commentary
133 Brock St
Rochester, NH 03867

Holy Rosary CU (NH) is headquartered in Rochester and is the 8th largest credit union in the state of New Hampshire. It is also the 860th largest credit union in the nation. It was established in 1962 and as of December of 2016, it had grown to 67 employees and 20,403 members at 4 locations. Holy Rosary CU (NH)'s money market rates are 14% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Holy Rosary Credit Union of New Hampshire is open to the residents, church members, registered students, and the people that maintain employment within the entire state of New Hampshire and the family members of the current credit union members.
See current membership details

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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  Also, your website is really outdated.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 - YTD0.82%
Return on Equity - YTD8.99%
Annual Interest Income$8.6MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$248.5MM$224.0MM
LoansQ4 2016vs Q4 2015$181.5MM$163.5MM
DepositsQ4 2016vs Q4 2015$224.5MM$199.8MM
Equity CapitalQ4 2016vs Q4 2015$22.5MM$20.4MM
Loan Loss AllowanceQ4 2016vs Q4 2015$672.00K$798.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$654.00K$627.00K
Real Estate OwnedQ4 2016vs Q4 2015$116.00K$100.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Holy Rosary CU (NH) Savings Account Rates

2.00%*$10k*-HSA Share Draft
OTHER TIERS: 1.00% Up to $2,500 | 1.50% $2,500 - $10k
2.00%*-$1kHome Heating Club
OTHER TIERS: 0.05% $1k+
2.00%*-$1kElements of Savings
OTHER TIERS: 0.05% $1k+
2.00%*-$1kM3 Money Club
OTHER TIERS: 0.05% $1k+
0.50%$500-IRA Share
0.50%$500-Roth IRA Share
0.50%$500-Educational IRA Share
0.05%--Regular Share
0.05%--Christmas Club

Holy Rosary CU (NH) Money Market Rates

0.50%*$100k*-Money Market Account
OTHER TIERS: 0.10% $2,500 - $10k | 0.20% $10k - $25k | 0.30% $25k - $50k | 0.40% $50k - $100k
0.50%*$100k*-Business Money Market Account
OTHER TIERS: 0.30% $25k - $50k | 0.40% $50k - $100k

Holy Rosary CU (NH) Checking Account Rates

0.10%--Regular Share Draft

Holy Rosary CU (NH) CD Rates

2.00%$500-60 Month Share Certificate
1.55%$500-48 Month Share Certificate
1.30%$500-36 Month Share Certificate
1.30%$500-30 Month Share Certificate
1.10%$500-14 Month Share Certificate
0.90%$500-24 Month Share Certificate
0.55%$500-18 Month Share Certificate
0.50%$100$10k12 Month i$ave Certificate
0.40%$500-12 Month Share Certificate
0.30%$500-6 Month Share Certificate

Holy Rosary CU (NH) IRA Rates

2.00%$500-60 Month IRA Certificate
1.55%$500-48 Month IRA Certificate
1.30%$500-36 Month IRA Certificate
1.30%$500-30 Month IRA Certificate
1.10%$500-14 Month IRA Certificate
0.90%$500-24 Month IRA Certificate
0.55%$500-18 Month IRA Certificate
0.40%$500-12 Month IRA Certificate
0.30%$500-6 Month IRA Certificate

Holy Rosary CU (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