Polish National Credit Union

Overview / Commentary
46 Main St
Chicopee, MA 01020

Polish National Credit Union is headquartered in Chicopee and is the 19th largest credit union in the state of Massachusetts. It is also the 577th largest credit union in the nation. It was established in 1921 and as of March of 2024, it had grown to 121 employees and 28,149 members at 9 locations. Polish National Credit Union's savings rates are 92% higher than the national average, and it has a B+ 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 Grade Components

NCUA #66597
Year Chartered1921
Primary Regulator
Profit Margin
Return on Assets - YTD0.33%
Return on Equity - YTD2.51%
Annual Interest Income$6.2MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$733MM$770.7MM
LoansQ1 2024vs Q1 2023$592.1MM$646.4MM
DepositsQ1 2024vs Q1 2023$590.6MM$624.9MM
Equity CapitalQ1 2024vs Q1 2023$95.6MM$93.8MM
Loan Loss AllowanceQ1 2024vs Q1 2023$2.3MM$2.5MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$2.1MM$872K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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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

1.00%*$10$1kPerks Savings
OTHER TIERS: 0.05% $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
0.05%$25-Member Business Savings Account

Polish National Credit Union Money Market Rates

0.20%*$75k*$150kPremium Money Market
OTHER TIERS: 0.10% $1k - $25k | 0.15% $25k - $75k
0.20%*$75k*$150kMember Business 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

0.24%*$10$10kPerks Checking Account
OTHER TIERS: 0.05% $10k - $20k
0.05%$10-Cost Less NOW Account
0.05%$10-Teen Now
0.05%$25-Member Business Checking Account
0.05%$10-18-65 Checking

Polish National Credit Union CD Rates

0.66%$500$250k60 Month Term Share Certificate
0.46%$500$250k48 Month Term Share Certificate
0.36%$500$250k36 Month Term Share Certificate
0.30%$500$250k24 Month Term Share Certificate
0.30%$500-30 Month Term Share Certificate
0.25%$500$250k18 Month Term Share Certificate
0.20%$500$250k12 Month Term Share Certificate
0.15%$500-Business 18 Month Term Share Certificate
0.10%$500$250k6 Month Term Share Certificate
0.10%$500-Business 6 Month Term Share Certificate
0.10%$500-Business 12 Month Term Share Certificate
0.05%$500$250k3 Month Term Share Certificate
0.05%$500-Business 3 Month Term Share Certificate

Polish National Credit Union IRA Rates

0.65%$250$250k60 Month IRA Certificate
0.46%$250$250k48 Month IRA Certificate
0.35%$250$250k36 Month IRA Certificate
0.30%$250$250k24 Month IRA Certificate
0.25%$250$250k18 Month IRA Certificate
0.20%$250$250k12 Month IRA Certificate

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
Branch Office232 N Main StEast Longmeadow, MA 01028

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