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iAdvertiser Disclosure
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 Polish National Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Polish National Credit Union's 60 month CD rates are at 0.66%, 48 month CD rates are at 0.46%, 36 month CD rates are at 0.36%, 24 month CD rates are at 0.30%, 30 month CD rates are at 0.30%. Polish National Credit Union's savings rates are at 3.50%. Polish National Credit Union's money market rates are at 0.20%. Polish National Credit Union's checking rates are as high as 0.24%. Polish National Credit Union's Land Loan - 1 Year ARM rates are at 5.75%, 12/1 ARM rates are at 5.50%, Adjustable Rate 10/1 ARM rates are at 6.00%, Adjustable Rate SPECIAL 7/1 ARM rates are at 5.75%, Adjustable Rate 5/1 ARM rates are at 5.38%. Polish National Credit Union's Auto Loan Rates are as low as 5.25%. Polish National Credit Union's CD rates are 90% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 1.02%. Rates last updated and verified on 10/29/2026. 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. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Polish National Credit Union CD Rates
Polish National Credit Union Savings Rates
Polish National Credit Union Money Market Rates
Polish National Credit Union Checking Rates
Polish National Credit Union Mortgage Rates
Polish National Credit Union Auto Loan Rates
Polish National Credit Union Other Rates
Financial Health HistoryPolish National Credit Union’s Texas Ratio stayed near 1.01% in Q3 2023 to 1.02% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
923 Front St,
Chicopee, MA 01020-1723
Phone
413-592-5108
Fax
413-278-5009
President
Gary Ziemba
CEO
Michael Sugrue
Full-Time Employees
120
Part-Time Employees
24
Branch Locations
8
ATM Locations
10
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.02%
Return on Assets (ROA)
0.2608%
Return on Equity (ROE)
1.9201%
Non-Performing Loans Ratio (NPL)
0.17%
Total Assets
776,896,967
Total Amount of Shares and Deposits
614,532,968
Total Shares and Deposits < 1 Year
602,184,369
Total Shares and Deposits 1 3 Years
7,853,115
Total Shares and Deposits > 3 Years
4,495,484
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
51,182,925
Total Uninsured Shares and Deposits > $250K (F+J)
51,182,925
Total Insured Shares and Deposits > $250K (item 17 less item K)
563,350,043
Total Interest Expense (Sum of items 6 8)
3,821,300
Share Certificates
3,078
Number of Accounts for Share Drafts
21,131
IRA KEOGH Accounts
1,411
Number of Accounts for Regular Shares
19,110
All other shares
2,652
Money Market Shares
2,777
Net Income (unless the amount is already included in Undivided Earnings)
2,025,873
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,618,014
Total Liabilities
672,798,268
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Polish National Credit Union
Frequently Asked Questions About Polish National Credit UnionDoes Polish National Credit Union offer CDs?Yes. Polish National Credit Union current CD rates include its 60 month CD at 0.66% APY, its 48 month CD at 0.46% APY and its 36 month CD at 0.36% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Polish National Credit Union NCUA insured?Yes. Polish National Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Polish National Credit Union?The highest Polish National Credit Union CD rate is its 5 Month Perks CD Special (Perks Checking Account Required) at 3.61% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Polish National Credit Union offer?Polish National Credit Union CD rates are 0.20% APY for a 12 month CD, 0.25% APY for an 18 month CD, 0.30% APY for a 2 year CD, 0.30% APY for a 30 month CD, 0.36% APY for a 3 year CD, 0.46% APY for a 4 year CD and 0.66% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Polish National Credit Union for its full lineup. What is the highest savings rate at Polish National Credit Union?The highest Polish National Credit Union savings rate is its High Yield Savings at 3.50% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Polish National Credit Union?The highest Polish National Credit Union money market rate is its Premium Money Market at 0.20% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Polish National Credit Union?The highest Polish National Credit Union checking rate is its PNCU Perks Checking Account at 0.24% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest 30 year fixed mortgage rate at Polish National Credit Union?The lowest Polish National Credit Union 30 year fixed mortgage rate is its 30 Year Fixed Rate Mortgage at 7.00%, verified by MonitorBankRates as of October 29, 2026. Polish National Credit Union mortgage rates are 7.00% for a 30 year mortgage, 6.875% for a 20 year mortgage, 6.625% for a 15 year mortgage, 6.375% for a 10 year mortgage, 5.75% for a 1 year mortgage, 5.375% for a 5/1 ARM, 5.75% for a 7/1 ARM and 6.00% for a 10/1 ARM. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Polish National Credit Union rates compare?Polish National Credit Union's CD rates are 90% lower than the MonitorBankRates national average, and it has an A+ health rating. Polish National Credit Union's top rates are its 5 Month Perks CD Special (Perks Checking Account Required) at 3.61% APY, its High Yield Savings at 3.50% APY, its Premium Money Market at 0.20% APY, its PNCU Perks Checking Account at 0.24% APY, its Adjustable Rate 5/1 ARM at 5.375% and its New Automobile Loans, 2025-2026 Model Years (Never Registered) at 5.25% APR, verified by MonitorBankRates on October 29, 2026. Current Polish National Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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