Credit union · NCUA insured
Polish National Credit Union Savings Rates
Polish National Credit Union’s best savings rate is 3.50% APY on $10,000, with its High Yield Savings Account. Rates checked October 15, 2026.
How Polish National Credit Union’s savings rates compare
Compared with banks and credit unions near Springfield, MA, where Polish National Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Polish National Credit Union
3.50%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $350
High Yield Savings Account
Top rate
Country Bank for Savings
3.60%APY
- Requires
- Another account
- Minimum
- $10
- Earns on $10,000 a year
- $360
3rd-highest rate
Holyoke Credit Union
3.35%APY
- Requires
- Another account
- Minimum
- $10
- Earns on $10,000 a year
- $335
Polish National Credit Union savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0003.50%
- $100,000 balance$100,0003.50%
- QualifiedQualified3.50%
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 Polish National Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Savings Account
3.50%APY
Limited-time offer. Requires membership. New money only (funds currently held at the credit union cannot be used). Available for individuals only; IRA accounts are not eligible. Minimum $10,000 opening deposit to earn the advertised rate. Minimum daily balance of $10.00 required each day to obtain the advertised APY. Interest compounds daily. Rates subject to change after opening. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 and upNew money only. Minimum opening balance and minimum balance to earn advertised rate is $10,000. Minimum daily balance of $10.00 required to obtain advertised APY. Qualifying interest/dividend rate is 3.39%. Interest compounds daily. Not eligible for IRAs.$10,000 and up | 3.50% | $350 | New money only. Minimum opening balance and minimum balance to earn advertised rate is $10,000. Minimum daily balance of $10.00 required to obtain advertised APY. Qualifying interest/dividend rate is 3.39%. Interest compounds daily. Not eligible for IRAs. |
Sources (3)
All captured Sep 18, 2026
Perks Savings Account
0.05%APY
Must have a PNCU Perks Checking account to obtain disclosed rates; if not, interest is calculated using the Statement Savings account rate. Only one Perks Savings account allowed per Tax ID. Tiered interest rates apply. Interest compounds daily and credits monthly. Minimum opening deposit is $25.00. Membership required. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Requires PNCU Perks Checking account. Minimum daily balance of $10.00 required each day to obtain APY. Dividend/interest rate is 0.98%. | 1.00% | — | Requires PNCU Perks Checking account. Minimum daily balance of $10.00 required each day to obtain APY. Dividend/interest rate is 0.98%. |
| $1,000 – $2,000Requires PNCU Perks Checking account. Minimum daily balance of $10.00 required each day to obtain APY. Dividend/interest rate is 0.49%. Disclosed APY is a blended range of 1.00% - 0.75%. | 0.49% | — | Requires PNCU Perks Checking account. Minimum daily balance of $10.00 required each day to obtain APY. Dividend/interest rate is 0.49%. Disclosed APY is a blended range of 1.00% - 0.75%. |
| $2,000 – $3,000Requires PNCU Perks Checking account. Minimum daily balance of $10.00 required each day to obtain APY. Dividend/interest rate is 0.25%. Disclosed APY is a blended range of 0.75% - 0.58%. | 0.25% | — | Requires PNCU Perks Checking account. Minimum daily balance of $10.00 required each day to obtain APY. Dividend/interest rate is 0.25%. Disclosed APY is a blended range of 0.75% - 0.58%. |
| Over $3,000Requires PNCU Perks Checking account. Minimum daily balance of $3,000.01 required each day to obtain APY. Dividend/interest rate is 0.05% (stated as 0.10% on p14). Disclosed APY is a blended range of 0.58% - 0.05% (0.58%-0.10% on p14). | 0.05% | $5 | Requires PNCU Perks Checking account. Minimum daily balance of $3,000.01 required each day to obtain APY. Dividend/interest rate is 0.05% (stated as 0.10% on p14). Disclosed APY is a blended range of 0.58% - 0.05% (0.58%-0.10% on p14). |
Sources (3)
All captured Sep 18, 2026
Premium Money Market
0.10%APY
Membership is open to individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000The Dividend Rate is paid on the entire balance in your account. | 0.10% | $10 | The Dividend Rate is paid on the entire balance in your account. |
| $25,000 – $75,000The Dividend Rate is paid on the entire balance in your account. | 0.15% | — | The Dividend Rate is paid on the entire balance in your account. |
| $75,000 – $100,000The Dividend Rate is paid on the entire balance in your account. | 0.20% | — | The Dividend Rate is paid on the entire balance in your account. |
| $100,000 and upThe Dividend Rate is paid on the entire balance in your account. | 0.20% | — | The Dividend Rate is paid on the entire balance in your account. |
Sources (1)
- pncu.com/savings-rates · captured Sep 18, 2026
Money Market
0.05%APY
Membership is open to individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upThe Dividend Rate is paid on the entire balance in your account.$1,000 and up | 0.05% | $5 | The Dividend Rate is paid on the entire balance in your account. |
Sources (1)
- pncu.com/savings-rates · captured Sep 18, 2026
Statement Savings Account
0.05%APY
Membership required. Minimum opening deposit $25.00. Minimum daily balance of $10.00 to earn APY. Rates subject to change without prior notice. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum balance to earn APY is $10.00. Dividend rate is 0.05%. Paid on entire balance.$10 and up | 0.05% | $5 | Minimum balance to earn APY is $10.00. Dividend rate is 0.05%. Paid on entire balance. |
Special-purpose accounts
IRA Money Market
0.05%APY
Membership is open to individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upThe Dividend Rate is paid on the entire balance in your account.$10 and up | 0.05% | $5 | The Dividend Rate is paid on the entire balance in your account. |
Sources (1)
- pncu.com/savings-rates · captured Sep 18, 2026
All Purpose Club
0.05%APY
Membership required. Minimum opening deposit $5.00. Minimum daily balance of $10.00 to earn APY. Rates subject to change without prior notice. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum balance to earn APY is $10.00. Dividend rate is 0.05%. Paid on entire balance.$10 and up | 0.05% | $5 | Minimum balance to earn APY is $10.00. Dividend rate is 0.05%. Paid on entire balance. |
Sources (1)
- pncu.com/savings-rates · captured Sep 18, 2026
Christmas Club
0.05%APY
Membership required. Minimum opening deposit $5.00. Minimum daily balance of $10.00 to earn APY. Rates subject to change without prior notice. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum balance to earn APY is $10.00. Dividend rate is 0.05%. Paid on entire balance.$10 and up | 0.05% | $5 | Minimum balance to earn APY is $10.00. Dividend rate is 0.05%. Paid on entire balance. |
Sources (1)
- pncu.com/savings-rates · captured Sep 18, 2026
Teen Statement Savings Account
0.05%APY
Membership required. Minimum opening deposit $25.00. Minimum daily balance of $10.00 to earn APY. Rates subject to change without prior notice. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum balance to earn APY is $10.00. Dividend rate is 0.05%. Paid on entire balance.$10 and up | 0.05% | $5 | Minimum balance to earn APY is $10.00. Dividend rate is 0.05%. Paid on entire balance. |
Sources (1)
- pncu.com/savings-rates · captured Sep 18, 2026
Youth Statement Savings Account
0.05%APY
Membership required. Minimum opening deposit $25.00. Minimum daily balance of $10.00 to earn APY. Rates subject to change without prior notice. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum balance to earn APY is $10.00. Dividend rate is 0.05%. Paid on entire balance.$10 and up | 0.05% | $5 | Minimum balance to earn APY is $10.00. Dividend rate is 0.05%. Paid on entire balance. |
Sources (1)
- pncu.com/savings-rates · captured Sep 18, 2026
Who can join Polish National Credit Union
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.
Membership information collected October 5, 2026.