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Polish National Credit Union


Overview / Commentary
www.pncu.com
413-592-9495
46 Main St
Chicopee, MA 01020

Polish National Credit Union is headquartered in Chicopee and is the 21st largest credit union in the state of Massachusetts. It is also the 522nd largest credit union in the nation. It was established in 1921 and as of December of 2020, it had grown to 101 employees and 24,943 members at 8 locations. Polish National Credit Union's savings rates are 92% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Polish National Credit Union is open to the following: (1) those who live, work, or attend school in Hampshire, Hampden, Franklin, or Berkshire Counties in Massachusetts; (2) those who live, work, or attend any accredited public or private college or university, high school, or elementary school in Litchfield, Hartford, or Tolland Counties in Connecticut.
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Health
A+

Data as of Q4 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #66597
Year Chartered1921
Employees101
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD3.89%
Annual Interest Income$19.3MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$675.3MM$615.3MM
LoansQ4 2020vs Q4 2019$555.1MM$517.3MM
DepositsQ4 2020vs Q4 2019$526.7MM$486.1MM
Equity CapitalQ4 2020vs Q4 2019$84.6MM$80.3MM
Loan Loss AllowanceQ4 2020vs Q4 2019$2.2MM$1.8MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$1.2MM$1.2MM
Real Estate OwnedQ4 2020vs Q4 2019$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Polish National Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Polish National Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$1kPNCU Perks Savings
OTHER TIERS: 0.10% → $3k+ | 0.25% → $2k - $3k | 0.49% → $1k - $2k
0.05%$10-Statement Savings
0.05%$10-Youth Statement Savings
0.05%$10-Christmas Club
0.05%$10-Teen Savings
0.05%$10-All Purpose Club

Polish National Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$75k*-Premium Money Market
OTHER TIERS: 0.10% → $1k - $25k | 0.15% → $25k - $75k
0.05%$1k-Money Market
0.05%$10-IRA Money Market

Polish National Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.24%*$10$10kPerks Checking Account
OTHER TIERS: 0.05% → $10k - $20k
0.05%$10-Cost Less NOW Account
0.05%$10-Teen Now

Polish National Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.46%$500-60 Month Term Share Certificate
0.36%$500-48 Month Term Share Certificate
0.31%$500-36 Month Term Share Certificate
0.25%$500-24 Month Term Share Certificate
0.20%$500-18 Month Term Share Certificate
0.15%$500-12 Month Term Share Certificate
0.10%$500-6 Month Term Share Certificate
0.05%$500-3 Month Term Share Certificate

Polish National Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.46%$250-60 Month IRA Certificate
0.36%$250-48 Month IRA Certificate
0.31%$250-36 Month IRA Certificate
0.25%$250-24 Month IRA Certificate
0.20%$250-18 Month IRA Certificate
0.15%$250-12 Month IRA Certificate
Locations


Polish National Credit Union Locations
Branch Office202 Boston RdWilbraham, MA 01095
Branch Office34 W State StGranby, MA 01033-9450
Branch Office46 Main StChicopee, MA 01020
Branch Office25 E Longmeadow RdHampden, MA 01036
Branch Office32 College HwySouthampton, MA 01073
Branch Office1 Parkside AveWestfield, MA 01085
Branch Office617 Montgomery StChicopee, MA 01020
Branch Office923 Front StChicopee, MA 01020-1723

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