Credit union · NCUA insured
Polish National Credit Union
A $765.4M credit union headquartered in Chicopee, MA, with 28,647 members and 8 branches in Massachusetts. Best rates: CDs 0.66% and savings 3.50% APY.
Polish National Credit Union Carrot Score
78
Carrot Score
Higher than 45% of U.S. banks and credit unions
#10 of 22 in Springfield, MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Polish National Credit Union
Established in 1921 in Chicopee, Polish National Credit Union operates eight branches across Western Massachusetts and serves communities in Western Massachusetts and Northern Connecticut.
The credit union grew through acquisitions of Granby, Buxton Employees, Westfield River, Valley Stone, Chicopee Municipal, and Premier Source Federal credit unions.
- Headquarters
- 923 Front St, Chicopee, MA 01020-1723
- NCUA charter
- 66597
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or attend any accredited public or private college, university, high school, elementary school, or vocational school in Hartford, Litchfield, and Tolland counties in Connecticut are eligible for membership.
- Individuals who live, work, or attend school in Hampden, Hampshire, Berkshire, or Franklin counties of Western Massachusetts are eligible for membership.
Branches
8 branches in Massachusetts
Loading map…
Massachusetts
8 branches
Springfield area · 6
- Front StreetMain office923 Front St, Chicopee, MA 01020Directions
- Chicopee Comprehensive High School617 Montgomery St, Chicopee, MA 01020Directions
- East Longmeadow Office232 N Main St, East Longmeadow, MA 01028Directions
- Hampden25 E Longmeadow Rd, Hampden, MA 01036Directions
- Westfield Office1 Parkside Ave, Westfield, MA 01085Directions
- Wilbraham Office202 Boston Rd, Wilbraham, MA 01095Directions
Amherst Town area · 2
- Granby Office34 W State St, Granby, MA 01033Directions
- Southampton Office32 College Hwy, Southampton, MA 01073Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.58% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.17% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.53% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $104 | $76 | — |
- CapitalNet worth ratio13.58%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.17%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.53%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$104Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Polish National Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.