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Pioneer Valley Federal Credit Union

Popular Accounts at this Credit Union

1.01%Reward CheckingInvestor Rewards Checking Account
1.56%5-year CD60 Month Share Certificate
0.75%1-year CD12 Month Share Certificate

Overview / Commentary
246 Brookdale Dr
Springfield, MA 01104

Pioneer Valley Federal Credit Union is headquartered in Springfield and is the 64th largest credit union in the state of Massachusetts. It is also the 2,019th largest credit union in the nation. It was established in 1923 and as of December of 2016, it had grown to 19 employees and 8,608 members at 4 locations. Pioneer Valley Federal Credit Union's money market rates are 14% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Pioneer Valley Federal Credit Union is open to anyone living in the states of Connecticut, New Hampshire, New York, Rhode Island, and Vermont through joining the Massachusetts chapter of the American Consumer Council. Membership is also open to employees of Baystate Health, federal employees in the Springfield Division and other Select Employer Groups.
See current membership details

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Pioneer Valley Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #24443
Year Chartered1923
Primary Regulator
Profit Margin
Return on Assets - YTD0.8%
Return on Equity - YTD7.24%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$66.2MM$56.5MM
LoansQ4 2016vs Q4 2015$44.9MM$44.5MM
DepositsQ4 2016vs Q4 2015$58.1MM$49.2MM
Equity CapitalQ4 2016vs Q4 2015$7.3MM$6.8MM
Loan Loss AllowanceQ4 2016vs Q4 2015$360.00K$348.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$264.00K$301.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Pioneer Valley Federal Credit Union Savings Account Rates

0.03%$25-Share Account
0.03%--Holiday Club Account
0.03%--Vacation Club Account
0.03%--Emergency Fund Account
0.03%--IRA Account
0.03%$20-Coverdell Education Savings Account

Pioneer Valley Federal Credit Union Money Market Rates

0.50%*$100k*-Money Market Account
OTHER TIERS: 0.10% $2,500 - $20k | 0.20% $20k - $50k | 0.40% $50k - $100k

Pioneer Valley Federal Credit Union Checking Account Rates

1.01%*-$25kInvestor Rewards Checking Account
OTHER TIERS: 0.30% $25k+
0.80%*-$25kBusiness Investor Rewards Checking
OTHER TIERS: 0.30% $25k+

Pioneer Valley Federal Credit Union CD Rates

1.56%$1k-60 Month Share Certificate
1.45%*$100k*-18 Month Direct FLEX Share Certificate
OTHER TIERS: 0.85% $500 - $20k | 1.05% $20k - $50k | 1.25% $50k - $100k
1.30%$1k-12 Month Share Certificate w/ Investor Rewards Checking
1.21%$1k-48 Month Share Certificate
1.16%$1k-36 Month Share Certificate
1.05%$1k-24 Month Share Certificate
0.75%$1k-12 Month Share Certificate
0.55%$1k-6 Month Share Certificate

Pioneer Valley Federal Credit Union IRA Rates

1.56%$500-60 Month IRA Certificate
1.56%$500-60 Month CESA
1.21%$500-48 Month IRA Certificate
1.21%$500-48 Month CESA
1.16%$500-36 Month IRA Certificate
1.16%$500-36 Month CESA
1.05%$500-24 Month IRA Certificate
1.05%$500-24 Month CESA
0.85%$500-18 Month IRA Certificate
0.85%$500-18 Month CESA
0.75%$500-12 Month IRA Certificate
0.75%$500-12 Month CESA
0.55%$500-6 Month IRA Certificate
0.55%$500-6 Month CESA

Pioneer Valley Federal Credit Union Locations
Branch Office651 Hangar AveChicopee, MA 01022
Branch Office2 Medical Center DrSpringfield, MA 01107
Branch Office246 Brookdale DrSpringfield, MA 01104
Branch Office100 Springdale RdWestfield, MA 01085-1624