Credit union · NCUA insured
Pioneer Valley Credit Union CD Rates
Pioneer Valley Credit Union’s best CD rate is 4.25% APY on a 16-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Pioneer Valley Credit Union’s CD rates compare
Compared with banks and credit unions near Springfield, MA, where Pioneer Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Pioneer Valley Credit Union
4.25%APY
- Term
- 16 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $571
Share Certificate
Top rate
Freedom Credit Union
4.50%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $566
2nd-highest rate
MASSMUTUAL
4.33%APY
- Term
- 15 months
- Requires
- Conditions apply
- Minimum
- $500
- Earns on $10,000
- $544
Pioneer Valley Credit Union CD score
80
CD score
Higher than 52% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo2.00%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Pioneer Valley Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.25%APY · 8 terms
Penalty will be imposed for early withdrawals on Term Share accounts. Dividends are compounded daily and credited monthly. Rate based on balance until maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.00% | $100 |
| 12 months | 2.00% | $200 |
| 16 months | 4.25% | $571 |
| 18 months | 2.50% | $377 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 4.25%APY · 8 terms
Available for Traditional IRA, Roth IRA, and Coverdell Education Savings Certificates. Penalty will be imposed for early withdrawals on Term Share accounts. Dividends are compounded daily and credited monthly. Rate based on balance until maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.00% | $100 |
| 12 months | 2.00% | $200 |
| 16 months | 4.25% | $571 |
| 18 months | 2.50% | $377 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Who can join Pioneer Valley Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.