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Polish National Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 18th largest credit union in the state of Massachusetts. It is also the 567th largest credit union in the nation. It was established in 1921 and as of March of 2025, it had grown to 120 employees and 28,712 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.
See current membership details

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #66597
Year Chartered1921
Employees120
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD1.98%
Annual Interest Income$7.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$768MM$733MM
LoansQ1 2025vs Q1 2024$610.1MM$592.1MM
DepositsQ1 2025vs Q1 2024$604.6MM$590.6MM
Equity CapitalQ1 2025vs Q1 2024$99MM$95.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.2MM$2.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$599K$2.1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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
0.05%$10-18-65 Checking

Polish National Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


Polish National Credit Union Locations
Branch Office202 Boston RdWilbraham, MA 01095
Branch Office34 W State StGranby, MA 01033-9450
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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