Pioneer Valley Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.pvcu.org

413-733-2800

246 Brookdale Dr
Springfield, MA 01104

Pioneer Valley Credit Union is headquartered in Springfield and is the 50^th largest credit union in the state of Massachusetts. It is also the 1,457^th largest credit union in the nation. It was established in 1923 and as of March of 2025, it had grown to 29 employees and 11,466 members at 5 locations. Pioneer Valley Credit Union's savings rates are 7X the national average, and it has an A health rating.

Field of Membership Restrictions

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. Membership is also open to employees of Baystate Health, Springfield Division federal employees, and more than 25 other Select Employer Groups.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	24443
Year Chartered	1923
Employees	29
Primary Regulator

Profit Margin
Return on Assets - YTD	0.46%
Return on Equity - YTD	4%
Annual Interest Income	$2.1MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$158MM$159.3MM
Loans	Q1 2025vs Q1 2024	$121.6MM$126.4MM
Deposits	Q1 2025vs Q1 2024	$130.5MM$130MM
Equity Capital	Q1 2025vs Q1 2024	$18MM$17.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$912K$817K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$241K$603K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
3.75%^*	$100k^*	-	Green High Yield Savings
OTHER TIERS: 1.50% → $1k - $25k \| 2.00% → $25k - $50k \| 3.25% → $50k - $100k
3.00%	$10	-	Education Share Account
0.03%	$25	-	Share Account
0.03%	$10	-	Holiday Club Account
0.03%	$10	-	Vacation Club Account
0.03%	$10	-	Emergency Fund Account
0.03%	$25	-	Secondary Share

Pioneer Valley Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.25%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.75% → $2.5k - $25k \| 1.00% → $25k - $50k \| 1.75% → $50k - $100k

Pioneer Valley Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
6.00%^*	$0	$10k	Prime High Yield Checking w/ $1000 or more in transactions
OTHER TIERS: 1.00% → $10k+
3.00%^*	$0	$10k	Prime High Yield Checking w/ $500-$1000 in transactions
OTHER TIERS: 1.00% → $10k+

Pioneer Valley Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$1k	-	24 Month Share Certificate
3.00%	$1k	-	36 Month Share Certificate
3.00%	$1k	-	48 Month Share Certificate
3.00%	$1k	-	60 Month Share Certificate
2.50%	$1k	-	18 Month Flex Share Certificate
2.00%	$1k	-	6 Month Share Certificate
2.00%	$1k	-	12 Month Share Certificate

Pioneer Valley Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$500	-	24 Month IRA Certificate
3.00%	$500	-	36 Month IRA Certificate
3.00%	$500	-	48 Month IRA Certificate
3.00%	$500	-	60 Month IRA Certificate
3.00%	$10	-	Traditional IRA Account
3.00%	$10	-	Roth IRA Account
2.50%	$500	-	18 Month IRA Certificate
2.00%	$500	-	6 Month IRA Certificate
2.00%	$500	-	12 Month IRA Certificate

Locations

Pioneer Valley Credit Union Locations
Branch Office	2 Medical Center Dr	Springfield, MA 01107
Branch Office	246 Brookdale Dr	Springfield, MA 01104
Branch Office	100 Springdale Rd	Westfield, MA 01085-1987
Branch Office	1954 Wilbraham Rd	Springfield, MA 01129-1823
Corporate Office	189 Brookdale Dr Ste 2	Springfield, MA 01104

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