Polish National Credit Union

Overview / Commentary
46 Main St
Chicopee, MA 01020

Polish National Credit Union is headquartered in Chicopee and is the 22nd largest credit union in the state of Massachusetts. It is also the 532nd largest credit union in the nation. It was established in 1921 and as of September of 2020, it had grown to 97 employees and 25,165 members at 9 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 Grade Components

NCUA #66597
Year Chartered1921
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD3.31%
Annual Interest Income$14.5MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$646.7MM$621.5MM
LoansQ3 2020vs Q3 2019$523.0MM$497.4MM
DepositsQ3 2020vs Q3 2019$520.9MM$487.3MM
Equity CapitalQ3 2020vs Q3 2019$83.4MM$80.2MM
Loan Loss AllowanceQ3 2020vs Q3 2019$2.2MM$1.8MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$1.3MM$1.5MM
Real Estate OwnedQ3 2020vs Q3 2019$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.

Polish National Credit Union Savings Account Rates

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

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

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

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

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

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 Office730 Worcester StSpringfield, MA 01151
Branch Office1 Parkside AveWestfield, MA 01085
Branch Office617 Montgomery StChicopee, MA 01020
Branch Office923 Front StChicopee, MA 01020-1723

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