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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 23rd largest credit union in the state of Massachusetts. It is also the 546th largest credit union in the nation. It was established in 1921 and as of December of 2021, it had grown to 116 employees and 25,056 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 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #66597
Year Chartered1921
Employees116
Primary Regulator
Profit Margin
Return on Assets - YTD0.82%
Return on Equity - YTD6.45%
Annual Interest Income$19.2MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$705.0MM$675.3MM
LoansQ4 2021vs Q4 2020$594.2MM$555.1MM
DepositsQ4 2021vs Q4 2020$567.2MM$526.7MM
Equity CapitalQ4 2021vs Q4 2020$89.3MM$84.6MM
Loan Loss AllowanceQ4 2021vs Q4 2020$2.2MM$2.2MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$3.0MM$1.2MM
Real Estate OwnedQ4 2021vs Q4 2020$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: 0.05% → $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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
0.05%$25-Member Business Checking Account

Polish National Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.36%$500-60 Month Term Share Certificate
0.26%$500-48 Month Term Share Certificate
0.21%$500-36 Month Term Share Certificate
0.20%$500-24 Month Term Share Certificate
0.15%$500-18 Month Term Share Certificate
0.15%$500-Business 18 Month Term Share Certificate
0.10%$500-6 Month Term Share Certificate
0.10%$500-12 Month Term Share Certificate
0.10%$500-Business 6 Month Term Share Certificate
0.10%$500-Business 12 Month Term Share Certificate
0.05%$500-3 Month Term Share Certificate
0.05%$500-Business 3 Month Term Share Certificate

Polish National Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.36%$250-60 Month IRA Certificate
0.26%$250-48 Month IRA Certificate
0.21%$250-36 Month IRA Certificate
0.20%$250-24 Month IRA Certificate
0.15%$250-18 Month IRA Certificate
0.10%$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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