What are the current interest rates at Polish National Credit Union?

Current rates for Polish National Credit Union include: Savings: 3.50%

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Polish National Credit Union

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Polish National Credit Union Rates & Review May 2026

Q: Is a member application needed to join Polish National Credit Union?

Yes, to access services at Polish National Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Polish National Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 10, 2026

Polish National Credit Union's savings rates are at 3.50%. Polish National Credit Union's 12/1 ARM rates are at 5.38%. MonitorBankRates evaluates the financial stability of Polish National Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.51%. Rates were last updated on 05/10/2026.

Polish National Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Polish National Credit Union? Share your experience about Polish National Credit Union by leaving a review below, or read customer reviews before you decide to use Polish National Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.51%

Excellent Lower than avg

Polish National Credit Union
Main Office

46 Main St
Chicopee, MA 01020

https://www.pncu.com

Polish National Credit Union Savings Rates

Product	Rate	APY	View More
High Yield Savings Account	-	3.50%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%

Polish National Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
12/1 ARM	5.38%	-	5.86%	30 Years
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
7/1 ARM	5.50%	-	6.19%	30 Years
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
10/1 ARM	5.75%	-	6.20%	30 Years
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
5/1 ARM	5.38%	-	6.27%	30 Years
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
1 Year ARM	5.75%	-	6.73%	15 Years
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%
Fixed Rate Jumbo	6.88%	0	7.07%	30 Years
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.51%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Polish National Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Polish National Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Polish National Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Polish National Credit Union

Website https://www.pncu.com

Address 46 Main St, Chicopee, MA 01020

Phone 413-592-5108

Fax 413-278-5009

President Gary Ziemba

CEO James Kelly

Full-Time Employees 125

Part-Time Employees 22

Branch Locations 8

ATM Locations 10

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.51%

Return on Assets (ROA)

0.2842%

Return on Equity (ROE)

2.1035%

Non-Performing Loans Ratio (NPL)

0.25%

Total Assets

761,082,498

Total Amount of Shares and Deposits

597,191,776

Total Shares and Deposits < 1 Year

575,037,984

Total Shares and Deposits 1 3 Years

16,513,523

Total Shares and Deposits > 3 Years

5,640,270

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

45,489,916

Total Uninsured Shares and Deposits > $250K (F+J)

45,489,916

Total Insured Shares and Deposits > $250K (item 17 less item K)

551,701,860

Total Interest Expense (Sum of items 6 8)

6,209,121

Share Certificates

3,187

Number of Accounts for Share Drafts

20,666

IRA KEOGH Accounts

1,555

Number of Accounts for Regular Shares

19,397

All other shares

2,650

Money Market Shares

2,956

Net Income (unless the amount is already included in Undivided Earnings)

2,163,198

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

14,278,006

Total Liabilities

659,370,005

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Polish National Credit Union

How many branches does Polish National Credit Union operate?

Polish National Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Polish National Credit Union?

Yes, to access services at Polish National Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Polish National Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Polish National Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Polish National Credit Union offer online and mobile banking?

Most modern institutions like Polish National Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pncu.com.