Polish National Credit Union
Headquarters
923 Front Street
Chicopee, MA 01020
See all branch locations →
2025 Overview
General Credit Union Information
Polish National is an NCUA insured institution located in Chicopee, MA. It was founded in 1921 and has approximately $767.97 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 / State-Chartered |
| Charter Number # | # 66597 |
| Date Established | 1921 |
| Assets | $767.97 million |
| Loans | $610.13 million |
| Deposits | $604.63 million |
| Capital | $101.17 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 - July 31, 2025
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
Learn More
|
|
Money Market
|
0.10% | $2,500 | $2,999 |
Learn More
|
|
Money Market
|
0.10% | $10,000 | $14,999 |
Learn More
|
|
Money Market
|
0.15% | $25,000 | $29,999 |
Learn More
|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.10% | $10,000 | $14,999 |
Learn More
|
| 6 Mo CD
|
0.10% | $100,000 | $199,999 |
Learn More
|
| 12 Mo CD
|
0.20% | $10,000 | $14,999 |
Learn More
|
| 12 Mo CD
|
0.20% | $100,000 | $199,999 |
Learn More
|
| 18 Mo CD
|
0.30% | $10,000 | $14,999 |
Learn More
|
| 18 Mo CD
|
0.30% | $100,000 | $199,999 |
Learn More
|
| 24 Mo CD
|
0.41% | $10,000 | $14,999 |
Learn More
|
| 24 Mo CD
|
0.41% | $100,000 | $199,999 |
Learn More
|
| 36 Mo CD
|
0.51% | $10,000 | $14,999 |
Learn More
|
| 36 Mo CD
|
0.51% | $100,000 | $199,999 |
Learn More
|
| 48 Mo CD
|
0.56% | $10,000 | $14,999 |
Learn More
|
| 48 Mo CD
|
0.56% | $100,000 | $199,999 |
Learn More
|
| 60 Mo CD
|
0.66% | $10,000 | $14,999 |
Learn More
|
| 60 Mo CD
|
0.66% | $100,000 | $199,999 |
Learn More
|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - July 31, 2025
Your Current Location: New York, NY 10116
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 - New York 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 292473 |
6.380% | 6.250% | 0.75 | $4,414 | $1,971 | Learn More |
NMLS ID: 1067 |
6.445% | 6.375% | 0.75 | $2,362 | $1,997 | Learn More |
NMLS ID: 613839 |
6.610% | 6.490% | 0.63 | $3,999 | $2,021 | Learn More |
NMLS ID: 399799 |
6.626% | 6.500% | 1.00 | $4,348 | $2,023 | Learn More |
Featured - New York Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
Note to Polish National
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
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:
New York City,New York
Polish National Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 118.07 | A | View Lobby Hours | |
| 123.79 | B | View Lobby Hours | |
| 124.54 | C | View Lobby Hours | |
| 125.11 | D | View Lobby Hours | |
| 125.89 | E | View Lobby Hours | |
| 126.72 | F | View Lobby Hours | |
| 129.81 | G | View Lobby Hours | |
| 131.02 | H | View Lobby Hours | |
| 273.56 | I | View Lobby Hours |
Climate Policy and Initiatives
POLISH NATIONAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
Add Your Review
or use your BestCashCow account
or
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 |
|---|---|
| 2.45% | 6.86 |
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 March 31, 2025, Polish National had $2,531,576 in non-current loans and $2,980 in owned assets. To cover these potential losses it had $101,166,064 in net worth and $2,187,112 in loans loss reserves. That gives it a Texas Ratio of 2.45%.
Net Worth
| Polish National | U.S. Average |
|---|---|
| 13.17% | 14.12% |
Polish National FCU has a net worth of 13.17% versus the BestCashCow average of 14.12. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Polish National
There are currently no comments for POLISH NATIONAL. Be the first to share your experience. Please provide comments that will help others.
Add Your Review
or use your BestCashCow account