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PIONEER VALLEY Rates & Review September 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: September 22, 2026
PIONEER VALLEY's 30 Month Roth IRA CD rates are at 4.05%, 30 Month CD rates are at 4.05%, 30 Month Traditional IRA CD rates are at 4.05%, 22 Month Roth IRA CD rates are at 3.95%, 22 Month CD rates are at 3.95%. PIONEER VALLEY's savings rates are at 1.00%. PIONEER VALLEY's money market rates are at 0.75%. PIONEER VALLEY's 10/1 ARM rates are at 5.75%, 7/1 ARM rates are at 5.45%, 5/1 ARM rates are at 5.25%. PIONEER VALLEY's Personal Loan Rates are as low as 12.95%. MonitorBankRates evaluates the financial stability of PIONEER VALLEY with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.34%. Rates last updated and verified on 09/22/2026. PIONEER VALLEY 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 PIONEER VALLEY? Share your experience about PIONEER VALLEY by leaving a review below, or read customer reviews before you decide to use PIONEER VALLEY. 
PIONEER VALLEY CD Rates
PIONEER VALLEY Savings Rates
PIONEER VALLEY Money Market Rates
PIONEER VALLEY Checking Rates
PIONEER VALLEY Mortgage Rates
PIONEER VALLEY RV, Boat and Powersport Loan Rates
PIONEER VALLEY Personal Loan Rates
PIONEER VALLEY Other Rates
Financial Health HistoryPIONEER VALLEY’s Texas Ratio rose from 0.87% in Q2 2023 to 2.34% in Q1 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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MonitorBankRates
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 PIONEER VALLEY 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 PIONEER VALLEY 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 PIONEER VALLEY's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
PIONEER VALLEY
Website
https://www.pvcu.org
Address
246 Brookdale Dr,
Springfield, MA 01104
Phone
413-733-2800
Fax
President
Shane Newell
CEO
Anabela Grenier
Full-Time Employees
31
Part-Time Employees
2
Branch Locations
4
ATM Locations
3
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
2.34%
Return on Assets (ROA)
0.1641%
Return on Equity (ROE)
1.4142%
Non-Performing Loans Ratio (NPL)
0.38%
Total Assets
164,931,264
Total Amount of Shares and Deposits
142,345,863
Total Shares and Deposits < 1 Year
114,945,172
Total Shares and Deposits 1 3 Years
22,879,607
Total Shares and Deposits > 3 Years
4,521,084
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,174,527
Total Uninsured Shares and Deposits > $250K (F+J)
12,880,900
Total Insured Shares and Deposits > $250K (item 17 less item K)
129,464,963
Total Interest Expense (Sum of items 6 8)
855,404
Share Certificates
826
Number of Accounts for Share Drafts
8,173
IRA KEOGH Accounts
150
Number of Accounts for Regular Shares
13,615
All other shares
85
Non Member Deposits
55
Money Market Shares
819
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)
5,983,983
Total Liabilities
145,789,497
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for PIONEER VALLEY yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for PIONEER VALLEY
Frequently Asked Questions About PIONEER VALLEYHow many branches does PIONEER VALLEY operate?PIONEER VALLEY 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 PIONEER VALLEY?Yes, to access services at PIONEER VALLEY, 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, PIONEER VALLEY 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, PIONEER VALLEY provides members with tools to manage their accounts and build a solid financial history. Does PIONEER VALLEY offer online and mobile banking?Most modern institutions like PIONEER VALLEY 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.pvcu.org. Current PIONEER VALLEY Rates
Retrieved from our database of financial products. Rates subject to change.
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