Polish National Credit Union

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A short history of Polish National CU

Since its inception in 1921 the Polish National Credit Union has been serving its members in the CHICOPEE, Massachusetts area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by James Kelly, the Polish National CU has grown its membership to over 23,641 with assets of more than $578,051,992. They have a main office and 9 branch offices. Please see the credit unions website or contact them by phone at (413) 592-9495 or email them at pncu@pncu.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in CHICOPEE, MA.

General Information For Polish National CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 66597
Address 46 MAIN ST 
State Massachusetts 
Zip-Code 01020
Phone Number (413) 592-9495
Fax Number (413) 594-7791
Email Address: pncu@pncu.com
CEO/President James Kelly
Members 23,641 
Full-Time Employees 102 
Part-Time Employees
Number of Branch Offices
Total Assets 578,051,992 
Website http://www.pncu.com 

Compare Polish National Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Alden CU Big Y Chicopee Branch 650 Memorial Dr 01020 (413) 206-5090 No 1.91
Springfield Street Railway Emp. CU springfield street railway employees credit union 640 Page Blvd Ste 102 01104 (413) 781-4454 No 2.54
Arrha CU 63 Park Avenue 63 Park Ave 01089 (413) 562-4092 No 2.67
Pioneer Valley CU Baystate Branch 2 Medical Center Dr 01104 (413) 733-2800 No 2.80
Holyoke Postal CU Holyoke Postal Credit Union 650 Dwight St 01041 (413) 534-2908 No 3.23

Polish National Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Polish National Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 2.91 3.68 3.53 3.67
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 134 168 75 67
Rank Among All Massachusetts Credit Unions 12 42 39 12 11

Polish National Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.10 0.10 0.50 0.50
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 116 129 134 263 227
Rank Among All Massachusetts Credit Unions 8 19 28 52 45
Polish National Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.900252223,417
All Other Unsecured Loans/Lines of Credit 12.9906192,187,450
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.9103187,089,610
Used Vehicle Loans 3.6801,19514,292,994
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.5301,910250,718,751
Total Other Real Estate Loans/Lines of Credit 3.6701,41344,171,883
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.21031890,453,589
TOTAL LOANS & LEASES 6,025409,137,694

Polish National Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 835127,290,4776213,267,770
    b. 15 Years or less 1,010116,603,844368,708,667
    a. > 15 years 101,635,0981250,000
    b. 15 Years or less 384,294,93541,128,655
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 3203,08400
Adjustable Rate > 1 yr 14691,31300


Closed-End Fixed Rate 64522,554,311904,278,391
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 76821,617,572706,334,520
Open-End Fixed Rate 0000
TOTALS 3,323294,890,63426333,968,003


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 28862,4890
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Polish National Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes