Chicopee, MA 01020

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 0.41% 2.20% →
2-Year CD 0.71% 2.20% →
5-Year CD 1.53% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Polish National is an NCUA insured institution located in Chicopee, MA. It was founded in 1921 and has approximately $620.04 millions in assets.

Who can join?

Individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties of Western Massachusetts are eligible to become members.

NCUA Insured Yes
Charter Number # # 66597
Date Established 1921
Assets $620.04 million
Loans $510.73 million
Deposits $489.36 million
Capital $77.69 million

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Hampshire, Hampden, Franklin, and Berkshire counties in Massachusetts.

Deposit Rates - February 22, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.15% $1,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $74,999 Learn MoreShow Less
Fixed IRA
0.41% $250 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.10% $500 - Learn MoreShow Less
6 Mo CD
0.36% $500 - Learn MoreShow Less
12 Mo CD
0.41% $500 - Learn MoreShow Less
18 Mo CD
0.51% $500 - Learn MoreShow Less
24 Mo CD
0.71% $500 - Learn MoreShow Less
36 Mo CD
1.02% $500 - Learn MoreShow Less
48 Mo CD
1.17% $500 - Learn MoreShow Less
60 Mo CD
1.53% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $10 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $10 - Learn MoreShow Less

Loan Rates - February 22, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for POLISH NATIONAL

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.284% 3.250% 0.38 $1,070 $1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

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

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


Below are Polish National 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:

Polish National Locations

Financial Details

Polish National Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Polish National. 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
Polish National U.S. Average
0.70% 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, Polish National had $547,862 in non-current loans and $7,149 in owned assets. To cover these potential losses it had $77,694,625 in net worth and $1,696,937 in loans loss reserves. That gives it a Texas Ratio of 0.70%.

Net Worth
Polish National U.S. Average
12.53% 13.65%

Polish National FCU has a net worth of 12.53% 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 Polish National

Branches and Savings

What is Polish National?

A federal credit union, registered with the NCUA under certificate #66597.
Learn more about credit unions here.

Is Polish National 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 Polish National?

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

What are Polish National's share account and share certificate rates?

Polish National'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 Polish National?

Polish National has total capital of $77.69 million. Full information on Polish National's financial position is located above.

Who owns Polish National?

Credit Unions are owned by their members.

Where are Polish National branches located?

See branch locations nearby.

Are Polish National ATMs Open 24/7?

Do Polish National ATMs accept cash deposits?

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

Does Polish National have a mobile app?

Does Polish National have mobile deposit?

Does Polish National have quick pay?

How can Polish National transfer money to other banks or credit unions?

Does Polish National report to credit bureaus?

Does Polish National use Chexsystems?

Does Polish National use Equifax?

What is Polish National's toll free phone number?

What is Polish National's ACH Routing Number?

What is Polish National's SWIFT code?

Where can I find Polish National's wire transfer form?

What is the Polish National address for deposits?

What Products Does Polish National Offer

Does Polish National offer mortgages?

Compare mortgage rates here.

Does Polish National offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Polish National offer auto and RV loans?

Compare auto loan rates here.

Does Polish National offer student loans or personal loans?

Compare personal loan rates here.

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