Springfield, MA 01104

Notable Rates APY Vs.Others
Savings 0.03% 2.30% →
1-Year CD 1.15% 2.25% →
2-Year CD 1.50% 2.50% →
5-Year CD 2.10% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

Pioneer Valley is an NCUA insured institution located in Springfield, MA. It was founded in 1923 and has approximately $116.11 millions in assets.

NCUA Insured Yes
Charter Number # # 24443
Date Established 1923
Assets $116.11 million
Loans $72.52 million
Deposits $95.88 million
Capital $10.82 million

Field of Membership Restrictions

Membership in Pioneer Valley Federal Credit Union is open to anyone living in the states of Connecticut, New Hampshire, New York, Rhode Island, and Vermont through joining the Massachusetts chapter of the American Consumer Council. Membership is also open to employees of Baystate Health, federal employees in the Springfield Division and other Select Employer Groups.

Deposit Rates - December 6, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.30% $2,500 $19,999 Learn MoreShow Less
Money Market
0.40% $20,000 $49,999 Learn MoreShow Less
Fixed IRA
1.15% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.65% $1,000 - Learn MoreShow Less
12 Mo CD
1.15% $1,000 - Learn MoreShow Less
18 Mo CD
1.30% $500 $24,999 Learn MoreShow Less
24 Mo CD
1.50% $1,000 $24,999 Learn MoreShow Less
1.70% $1,000 $24,999 Learn MoreShow Less
48 Mo CD
1.90% $1,000 $24,999 Learn MoreShow Less
60 Mo CD
2.10% $1,000 $24,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.03% $10 - Learn MoreShow Less

Loan Rates - December 6, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for PIONEER VALLEY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.625% 3.625% 0.00 ($65) $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Pioneer Valley branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Pioneer Valley Locations

Financial Details

Pioneer Valley Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Pioneer Valley. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Pioneer Valley U.S. Average
1.87% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Pioneer Valley had $202,694 in non-current loans and $7,950 in owned assets. To cover these potential losses it had $10,819,851 in net worth and $459,361 in loans loss reserves. That gives it a Texas Ratio of 1.87%.

Net Worth
Pioneer Valley U.S. Average
9.31% 13.65%

Pioneer Valley FCU has a net worth of 9.31% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Pioneer Valley

Branches and Savings

What is Pioneer Valley?

A federal credit union, registered with the NCUA under certificate #24443.
Learn more about credit unions here.

Is Pioneer Valley FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Pioneer Valley?

Please see Field of Membership information above for information on who is eligible to join.

What are Pioneer Valley's share account and share certificate rates?

Pioneer Valley's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Pioneer Valley?

Pioneer Valley has total capital of $10.82 million. Full information on Pioneer Valley's financial position is located above.

Who owns Pioneer Valley?

Credit Unions are owned by their members.

Where are Pioneer Valley branches located?

See branch locations nearby.

Are Pioneer Valley ATMs Open 24/7?

Do Pioneer Valley ATMs accept cash deposits?

Can Pioneer Valley customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Pioneer Valley have a mobile app?

Does Pioneer Valley have mobile deposit?

Does Pioneer Valley have quick pay?

How can Pioneer Valley transfer money to other banks or credit unions?

Does Pioneer Valley report to credit bureaus?

Does Pioneer Valley use Chexsystems?

Does Pioneer Valley use Equifax?

What is Pioneer Valley's toll free phone number?

What is Pioneer Valley's ACH Routing Number?

What is Pioneer Valley's SWIFT code?

Where can I find Pioneer Valley's wire transfer form?

What is the Pioneer Valley address for deposits?

What Products Does Pioneer Valley Offer

Does Pioneer Valley offer mortgages?

Compare mortgage rates here.

Does Pioneer Valley offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Pioneer Valley offer auto and RV loans?

Compare auto loan rates here.

Does Pioneer Valley offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Pioneer Valley

  • August 28, 2018 |

    CDs 37 Month Rates

    Great Credit Union. Awesome rates and very easy to do business with!!!

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