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Pioneer Valley 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 Credit Union is headquartered in Springfield and is the 63rd largest credit union in the state of Massachusetts. It is also the 1,876th largest credit union in the nation. It was established in 1923 and as of March of 2018, it had grown to 26 employees and 9,220 members at 3 locations. Pioneer Valley Credit Union's money market rates are 59% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Pioneer Valley Credit Union is open to anyone living in Connecticut, Massachusetts, New Hampshire, New York, Rhode Island, and Vermont, by joining the Massachusetts chapter of the American Consumer Council ($5 lifetime membership fee). Residents of the Massachusetts counties of Berkshire, Franklin, Hampden, or Hampshire can also qualify for Credit Union membership by joining Pioneer Valley Local First ($25 membership fee). Membership is also open to employees of Baystate Health, Springfield Division federal employees, and more than 25 other Select Employer Groups.
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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 Credit Union has a relatively low asset base.

Health Grade Components

NCUA #24443
Year Chartered1923
Primary Regulator
Profit Margin
Return on Assets - YTD1.46%
Return on Equity - YTD12.71%
Annual Interest Income$929.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$77.1MM$66.6MM
LoansQ1 2018vs Q1 2017$57.1MM$45.6MM
DepositsQ1 2018vs Q1 2017$64.3MM$58.3MM
Equity CapitalQ1 2018vs Q1 2017$8.6MM$7.5MM
Loan Loss AllowanceQ1 2018vs Q1 2017$419.00K$348.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$132.00K$325.00K
Real Estate OwnedQ1 2018vs Q1 2017$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 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

Pioneer Valley Credit Union Money Market Rates

0.70%*$100k*-Money Market Account
OTHER TIERS: 0.40% $2,500 - $20k | 0.50% $20k - $50k | 0.60% $50k - $100k

Pioneer Valley Credit Union Checking Account Rates

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

Pioneer Valley Credit Union CD Rates

2.30%$1k-12 Month Share Certificate w/ Investor Rewards Checking
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
1.21%$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 Credit Union IRA Rates

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

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

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