Holy Rosary Credit Union (NH)


Overview / Commentary
603-332-6840
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 816th largest credit union in the nation. It was established in 1962 and as of December of 2019, it had grown to 79 employees and 22,091 members at 5 locations. Holy Rosary Credit Union (NH) 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

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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  Also, your website is really outdated.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

Health Grade Components

Overall
NCUA #65088
Year Chartered1962
Employees79
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD5.06%
Annual Interest Income$11.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$310.7MM$282.9MM
LoansQ4 2019vs Q4 2018$218.9MM$210.3MM
DepositsQ4 2019vs Q4 2018$281.1MM$252.4MM
Equity CapitalQ4 2019vs Q4 2018$27.4MM$25.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$982.00K$1.0MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$388.00K$527.00K
Real Estate OwnedQ4 2019vs Q4 2018$100.00K$100.00K
Rates

Rates for Holy Rosary Credit Union (NH) are currently being reviewed.

Locations


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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