Polish National Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.72%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD
0.51%	1-year CD	2.65% - Barclays 12 Month Online CD
0.10%	Savings	2.00% - Ally Bank Online Savings Account

View all Polish National Credit Union rates »

Overview / Commentary

www.pncu.com

866-592-7628

46 Main St
Chicopee, MA 01020

Polish National Credit Union is headquartered in Chicopee and is the 19^th largest credit union in the state of Massachusetts. It is also the 494^th largest credit union in the nation. It was established in 1921 and as of June of 2018, it had grown to 107 employees and 24,248 members at 10 locations. Polish National Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to the following: (1) those who live, work, attend school or worship in Hampshire, Hampden, Franklin, and 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 Q2 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	66597
Year Chartered	1921
Employees	107
Primary Regulator

Profit Margin
Return on Assets - YTD	0.42%
Return on Equity - YTD	3.12%
Annual Interest Income	$8.0MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$572.4MM$578.1MM
Loans	Q2 2018vs Q2 2017	$447.5MM$409.1MM
Deposits	Q2 2018vs Q2 2017	$473.7MM$478.9MM
Equity Capital	Q2 2018vs Q2 2017	$76.8MM$76.0MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$1.5MM$1.5MM
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$441.00K$827.00K
Real Estate Owned	Q2 2018vs Q2 2017	$0$0

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.

Polish National Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$10	-	Statement Savings
0.10%	$25	-	Youth Statement Savings
0.10%	$10	-	Christmas Club
0.10%	$10	-	Teen Savings
0.10%	$10	-	All Purpose Club

Polish National Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.41%^*	$150k^*	-	Premium Money Market
OTHER TIERS: 0.15% → $1k - $25k \| 0.20% → $25k - $75k \| 0.25% → $75k - $100k \| 0.36% → $100k - $150k
0.10%	$10	-	Money Market
0.10%	$10	-	IRA Money Market

Polish National Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$10	$10k	Perks 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

APY	MIN	MAX	ACCOUNT NAME
2.25%	$500	$250k	58 Month Term Share Certificate Special
1.80%	$500	$250k	21 Month Term Share Certificate Special
1.72%	$500	-	60 Month Term Share Certificate
1.48%	$500	-	48 Month Term Share Certificate
1.07%	$500	-	36 Month Term Share Certificate
1.02%	$500	-	24 Month Term Share Certificate
0.61%	$500	-	18 Month Term Share Certificate
0.51%	$500	-	12 Month Term Share Certificate
0.36%	$500	-	6 Month Term Share Certificate
0.10%	$500	-	3 Month Term Share Certificate

Polish National Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.72%	$250	-	60 Month IRA Certificate
1.48%	$250	-	48 Month IRA Certificate
1.07%	$250	-	36 Month IRA Certificate
1.02%	$250	-	24 Month IRA Certificate
0.61%	$250	-	18 Month IRA Certificate
0.51%	$250	-	12 Month IRA Certificate

Locations

Cities: Chicopee, Granby, Hampden, Southampton, Springfield, Westfield, Wilbraham

Chicopee Branches
Branch Office	244 Exchange St	Chicopee, MA 01013
Branch Office	46 Main St	Chicopee, MA 01020
Branch Office	617 Montgomery St	Chicopee, MA 01020
Branch Office	923 Front St	Chicopee, MA 01020-1723

Granby Branches
Branch Office	34 W State St	Granby, MA 01033-9450

Hampden Branches
Branch Office	25 E Longmeadow Rd	Hampden, MA 01036

Southampton Branches
Branch Office	32 College Hwy	Southampton, MA 01073

Springfield Branches
Branch Office	730 Worcester St	Springfield, MA 01151

Westfield Branches
Branch Office	1 Parkside Ave	Westfield, MA 01085

Wilbraham Branches
Branch Office	202 Boston Rd	Wilbraham, MA 01095

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