Holy Rosary Credit Union
- Company typePrivate
- Founded1962
- HeadquartersRochester, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
Holy Rosary Credit Union firmographics
Firmographics- Name
- Holy Rosary Credit Union
- Legal name
- Holy Rosary Credit Union
- Website
- https://hrcu.org
- Company type
- Private
- Founded year
- 1962
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Holy Rosary Credit Union industry classification
Industry- Product category
- Credit Union Retail Banking
- NAICS
- Credit Unions (52213), Credit Unions (522130), Credit Card Issuing (52221), Credit Card Issuing (522210)
- SIC
- Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Faith-Based & Affinity Credit Unions (FSABAEAH)
- akta.pro secondary industries
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Business / Corporate Credit Cards (FSAKABAF)
Keywords
Where Holy Rosary Credit Union is headquartered
LocationHeadquarters
- HQ city
- Rochester
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Holy Rosary Credit Union business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Interest Income (Loan Portfolio): As a credit union, HRCU's primary revenue is generated through interest earned on its loan portfolio, including auto loans, mortgages, home equity loans, personal loans, credit cards, and business loans. Interest rates vary by product type and creditworthiness, with competitive APRs ranging from approximately 4.49% for auto loans to over 10% for some personal and recreational loans.
- Interest Income (Deposit Products): HRCU earns income from the spread between interest paid on deposits (checking, savings, CDs, IRAs) and interest earned on loans. CD rates range from 0.05% APY on regular savings to 6.03% APY on promotional CDs, while loan rates generate sufficient spread to operate the cooperative.
- Fee Income: HRCU generates revenue from various account and service fees, including late payment fees, early withdrawal penalties on CDs, wire transfer fees, overdraft fees, and other service charges outlined in its fee schedule. The fee schedule is available publicly.
- Credit Card Fees: Revenue from Visa credit card interchange fees, annual percentage rates on carried balances (Visa Platinum at 12.24% APR, Visa Platinum Rewards at 13.24% APR), and associated transaction fees.
- Merchant Card Processing: HRCU offers merchant card processing services for business members through OnCore, generating revenue through transaction processing fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Regular Checking: $100 min deposit, 0.05% APY, requires $100 balance to earn |
| Subscription | Monthly | Regular Savings: $5 min deposit, 0.05% APY |
| Subscription | Monthly | Teen Savings: $5 min, 2.00% APY on first tier, 0.05% APY on $1,000+ |
| Subscription | Monthly | Money Market: Tiered rates from 0.05% to 1.75% APY based on balance |
| Unit Pricing | Pay-as-you-go | 7-Month CD Special: 6.03% APY on up to $2,000 |
| Unit Pricing | Pay-as-you-go | Standard CDs: Terms from 3 months to 60 months; rates from 1.10% to 2.75% APY |
| Subscription | Monthly | IRA Certificates: $500 min, rates from 0.15% to 0.35% APY |
| Unit Pricing | Monthly | Auto Loans: 4.49% APR for 2023-2026 vehicles (0-84 months) |
| Unit Pricing | Monthly | Personal Loans: Unsecured from 10.99% APR; Secured from share rate + 4.00% |
| Unit Pricing | Monthly | Visa Platinum: 12.24% APR; Visa Platinum Rewards: 13.24% APR |
| Unit Pricing | Monthly | HELOC: 5.770% APR promotional fixed rate for 12 months; Fixed-rate HE: 6.03% APR (5yr) to 7.03% APR (15yr) |
| Unit Pricing | Monthly | Mortgages: 30-Year Fixed from 6.218% APR; ARMs from 5.572% APR |
Go-to-market motion3 records
Distribution channels8 records
Marketing channels8 records
Holy Rosary Credit Union product offering
Product offeringCore offering
Holy Rosary Credit Union is a not-for-profit community credit union providing personal and business banking products, including checking, savings, money market accounts, certificates of deposit, IRAs, HSAs, mortgages, home equity loans, auto loans, personal loans, recreational loans, and Visa credit cards. Business services encompass business checking and savings, business loans, a Visa Business Credit Card, and merchant card processing through OnCore. Distribution is through five physical branches in New Hampshire, a mobile and online banking platform, and the nationwide Co-Op shared branching and ATM network.
Product overview
Holy Rosary Credit Union offers a comprehensive suite of traditional banking products and services through a unified member-facing platform. The product portfolio spans personal and business banking: deposit products include checking, savings, CDs, IRAs, and Health Savings Accounts; lending products encompass auto loans, mortgages, home equity products, credit cards, and personal loans; and business services include checking, loans, merchant processing, and business credit cards. Digital banking is delivered through proprietary mobile and online platforms with features including card management, credit score tracking, and AI-powered search. Products are offered directly through HRCU's branch network and digital channels, with strategic partnerships providing specialized services including merchant processing (OnCore), deposit insurance (NCUA/ESI), and financial wellness education (BALANCE).
Differentiator
Problem solved
Functional benefit
Products and services
- Checking Accounts Flexible everyday checking accounts for individual members and families, with digital banking access, debit card management, mobile deposit, and direct deposit capabilities.
- Savings Accounts Regular savings accounts with low minimum deposit requirements and tiered APY rates for building emergency funds and general savings, including a teen savings option with higher introductory APY.
- Certificates of Deposit (CDs) Term savings products including standard CDs ranging from 3 to 60 months at competitive APYs, IRA Certificates, and promotional special CDs available to members.
- Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts including Traditional and Roth IRA certificates with various term options and tiered APY rates.
- Health Savings Account (HSA) Tax-advantaged account for individuals with high-deductible health plans, offering competitive APY rates on balances, designed to cover qualified medical expenses.
- Youth Accounts (Kids and Teen Savings) Age-segmented savings programs including Kids Savings with Create-a-Club accounts and Teen Checking and Savings with educational resources for financial literacy.
- Auto Loans Vehicle financing for new and used automobiles, including dealer-arranged financing and refinancing options, with rates starting at 4.49% APR for 2023-2026 models and varied terms up to 84 months.
- Mortgages and Home Loans Comprehensive home financing including fixed-rate mortgages (10, 15, 20, 30-year), adjustable-rate mortgages (3/3, 5/5, 10/1 ARMs), manufactured home loans, land loans, and seasonal vacation home loans.
- Home Equity Loans and HELOCs Home equity products including Home Equity Lines of Credit (HELOCs) with promotional fixed rates for 12 months and Fixed-Rate Home Equity Loans for one-time borrowing needs, with HRCU paying up to $250 in closing costs.
- Visa Credit Cards Credit card products including Visa Platinum (as low as 12.24% APR) and Visa Platinum with UChoose Rewards (as low as 13.24% APR), with introductory balance transfer promotions.
- Personal Loans Unsecured personal loans (up to $25,000, as low as 10.99% APR with rate discounts) and Share Secured or Share Certificate Secured loans for members building or rebuilding credit.
- Recreational Loans Financing for recreational vehicles including motorcycles, RVs/motor homes, travel trailers, boats, snowmobiles, ATVs, jet skis, and classic automobiles.
- Digital Banking (Mobile and Online) Comprehensive digital banking platform including mobile app for iOS and Android, online banking, card management tools, credit score tracking, AI-powered search, bill pay, account alerts, and remote deposit capture.
- Business Checking Business checking accounts with flexible options for managing business finances, including digital banking access and Treasury management features.
- Business Savings and CDs Business savings accounts and certificates of deposit designed to help local businesses manage reserves and earn competitive returns on operating funds.
- Business Loans Commercial lending products including term loans and lines of credit for business growth, equipment financing, and working capital needs, with SBA Preferred Lender Program authorization.
- Visa Business Credit Card Business credit card with rewards program for business expenses, with rates as low as 12.75% APR, designed for ongoing operating purchases and travel.
- Merchant Processing Merchant card processing services powered by OnCore, enabling business members to accept credit and debit card payments with competitive processing rates.
- Insurance Services Insurance product referrals and coverage recommendations to help members protect their assets, offered through partner providers.
- Financial Planning Financial planning services and resources including retirement planning guidance, estate planning support, and education about financial products delivered through the BALANCE platform integration.
Quantifiable outcome
- $330K+ in Christmas Caring program donations
- +7 more outcomes
Companies that use Holy Rosary Credit Union
Customer profileNamed customers13 records
Segments5 records
Ideal customer profiles5 records
Holy Rosary Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability2 records
Feature4 records
Holy Rosary Credit Union partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and supporting.
- Credit Union Solutions Group (CUSG) / MemberXPcoreCUSG, through its MemberXP program, provides HRCU with customer experience measurement and benchmarking services. HRCU has been recognized for five consecutive years (2021–2025) as a MemberXP 'Best of the Best' award recipient in new member and loan experience categories. The partnership enables HRCU to measure member satisfaction using Net Promoter Score (NPS) and Member Effort Score (MES) based on millions of data points from credit union members nationwide.
- AARPcoreAARP provides HRCU with its BankSafe training program focused on fraud prevention and elder financial exploitation awareness. HRCU has earned the AARP BankSafe Trained Seal for five consecutive years (2021–2026). The partnership requires at least 80% of front-line staff to complete BankSafe training, and HRCU exceeds requirements by training all member-serving associates.
- Co-Op Credit Union Shared BranchingcoreCo-Op provides HRCU with access to a nationwide network of shared branches and surcharge-free ATMs, enabling HRCU members to conduct transactions at thousands of locations across the United States. HRCU participates as both a provider and beneficiary of this shared branching network.
- National Credit Union Administration (NCUA)coreNCUA is the U.S. government agency that federally insures deposits at HRCU up to $250,000 per member. This insurance is backed by the full faith and credit of the U.S. government. All HRCU deposits are insured through NCUA.
- Excess Share Insurance (ESI)coreESI partners with HRCU to provide extended deposit insurance protection, adding $250,000 in coverage on top of NCUA's $250,000, for combined total coverage of $500,000 per member. This coverage is automatically applied with no enrollment required.
- OnCore (Merchant Card Processing)supportingHRCU offers merchant card processing services to its business members through OnCore, a competitive payment processing solution. This enables business members to accept card payments through a solution sourced and presented by HRCU.
- LoansPQsupportingHRCU uses LoansPQ digital lending platform for online loan applications, credit card applications, and new member account opening. Members apply through app.loanspq.com links from the HRCU website for personal loans, auto loans, and membership.
- BALANCEsupportingBALANCE provides HRCU with financial wellness content and free webinars for members, including educational programming on topics such as managing money for mental health, estate planning, credit card management, and seasonal financial planning. HRCU leverages BALANCE content across its blog and webinar programming.
- Make-A-Wish New HampshiresupportingHRCU participates in the New Hampshire credit union community's partnership with Make-A-Wish New Hampshire, which has collectively raised over $4 million to grant wishes for children with critical illnesses. HRCU President & CEO Brian Hughes was inducted into the Make-A-Wish NH Legends Through Time Hall of Fame for his leadership in this partnership.
- U.S. Small Business Administration (SBA)supportingHRCU is approved to offer SBA loan products under the SBA's Preferred Lender Program, enabling the credit union to provide small business loans with streamlined processing for eligible borrowers.
- Smith & WilkinsonsupportingThe HRCU Board of Directors retained Smith & Wilkinson executive search firm to conduct a nationwide search for the credit union's next President and CEO following the announced retirement of Brian Hughes at year-end 2026.
Scale indicators8 records
Recent moves7 records
Expansion highlights5 records
Holy Rosary Credit Union competitors and assessment
Company assessmentDirect peers
- Triangle Credit Union: Triangle Credit Union is a New Hampshire-based cooperative serving members across northern New England with a comparable suite of personal, mortgage, and business banking products. Direct peer given overlapping NH geography and similar mid-sized credit union profile.
- Bellwether Community Credit Union: Bellwether Community Credit Union is a New Hampshire-based community credit union offering personal and business banking. Comparable scale, member-owned cooperative model, and overlapping NH geography make it a direct peer.
- Service Credit Union: Service Credit Union is a large New Hampshire-based credit union with branches throughout NH and a similarly broad personal/business banking suite. Comparable product mix, geographic overlap in NH, and similar community-focused positioning make it a strong direct peer.
- St. Mary's Bank: St. Mary's Bank is a Manchester, NH-based credit union also founded with Catholic parish origins, making it the closest direct peer to HRCU. Both institutions serve New Hampshire with full personal and business banking products and share the faith-based credit union identity.
- Members First Credit Union of NH: Members First Credit Union of NH is a community-focused credit union serving New Hampshire with personal and business banking services. Comparable in scale, cooperative model, and geographic footprint to HRCU.
Broad incumbents
- Eastern Bank: Eastern Bank is a large Massachusetts-based community-focused bank with a full suite of personal, business, and wealth banking products. A broad incumbent in the New England community banking space with overlapping products but a much larger footprint.
- DCU (Digital Federal Credit Union): DCU is a large Massachusetts-based federal credit union offering nationwide digital banking, personal loans, mortgages, and business products. A broad incumbent comparable in product breadth but vastly larger in scale and digital-first orientation.
- Bethpage Federal Credit Union: Bethpage Federal Credit Union is a large New York-based federal credit union with a comprehensive personal and business banking product suite. Comparable product breadth and credit union model but at materially larger scale.
Regional players
- Hanscom Federal Credit Union: Hanscom FCU is a Massachusetts-based community credit union serving a defined membership base (military/affinity) with full personal and business banking. Comparable community-credit-union model and product suite, though primarily serving a different regional/membership niche.
Others
- Cooperative Credit Union Association: The Cooperative Credit Union Association is a regional trade association serving credit unions in the Northeast. Relevant as an industry/ecosystem partner supporting credit unions including HRCU, with HRCU's CEO having served on its board.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Holy Rosary Credit Union social profiles
Digital presenceHoly Rosary Credit Union compliance and trust
Trust signalCompliance4 records
Holy Rosary Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
Holy Rosary Credit Union leadership team
Management profileNumber of profiles
Profiles10 records
Holy Rosary Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Holy Rosary Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Holy Rosary Credit Union
What does Holy Rosary Credit Union do?
Holy Rosary Credit Union is a not-for-profit community credit union providing personal and business banking products, including checking, savings, money market accounts, certificates of deposit, IRAs, HSAs, mortgages, home equity loans, auto loans, personal loans, recreational loans, and Visa credit cards. Business services encompass business checking and savings, business loans, a Visa Business Credit Card, and merchant card processing through OnCore. Distribution is through five physical branches in New Hampshire, a mobile and online banking platform, and the nationwide Co-Op shared branching and ATM network.
Is Holy Rosary Credit Union a public or private company?
Holy Rosary Credit Union is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Holy Rosary Credit Union founded?
Holy Rosary Credit Union was founded in 1962. It employs 51 to 100 people.
Where is Holy Rosary Credit Union based?
Holy Rosary Credit Union is headquartered in Rochester, United States, in the North America region.
How does Holy Rosary Credit Union make money?
Five revenue lines are on record. Interest Income (Loan Portfolio) is the primary driver. The others are interest Income (Deposit Products), fee Income, credit Card Fees and merchant Card Processing.
Who are Holy Rosary Credit Union's main competitors?
Direct peers on record are Triangle Credit Union, Bellwether Community Credit Union, Service Credit Union, St. Mary's Bank and Members First Credit Union of NH. Broad incumbents are Eastern Bank, DCU (Digital Federal Credit Union) and Bethpage Federal Credit Union. Hanscom Federal Credit Union is listed as a regional player. Cooperative Credit Union Association is listed as an others.
Does Holy Rosary Credit Union have an API?
No public API is recorded for Holy Rosary Credit Union.
What industry is Holy Rosary Credit Union in?
Holy Rosary Credit Union's product category is Credit Union Retail Banking. Its primary akta.pro industry code is FSABAEAH, Faith-Based & Affinity Credit Unions, with a secondary code of FSABAEAA, Community Credit Unions (Retail/Consumer Focus). Its NAICS code is 52213 and its SIC code is 6141.