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Polish National Credit Union Share
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Overview Share
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Polish National Credit Union is a federally insured state credit union based in Chicopee, Massachusetts. It has been opened since 1921, for 101 years.

With around $602,870,000 in assets, Polish National Credit Union is considered to be a very large credit union. It has 9 branches and 9 ATM locations.

About Share
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Address 46 Main Street
Chicopee, Massachusetts 01020
Website http://www.pncu.com
Phone (413) 592-9495
Fax (413) 594-7791
CEO James P. Kelly
President of the Board Edward Rybak
Services Offered
Score Card Share
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101 years
Years in business
Opened in 1921
Well Capitalized
Net worth classification
Source: NCUA
24,329 members
Membership type: State chartered natural person credit union
Above average number of members
215:1
Credit union member to staff ratio
215 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$602,874,739
Total assets
Above average
9 branches
Compared with an average of 4 nationally and 3 in Massachusetts
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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9 branches
Compared with an average of 4 nationally and 3 in Massachusetts
Above average number of branches
Polish National Credit Union Branch Locations

Polish National Credit Union: Hampden
25 E. Longmeadow Road
Hampden, Massachusetts 01036
ATM Available
Polish National Credit Union: Granby Office
34 W. State Street
Granby, Massachusetts 01033
ATM Available
Polish National Credit Union: Westfield River Office
1 Parkside Avenue
Westfield, Massachusetts 01085
ATM Available
Polish National Credit Union: Southampton Office
32 College Highway
Southampton, Massachusetts 01073
ATM Available
Polish National Credit Union: Wilbraham Office
202 Boston Road
Wilbraham, Massachusetts 01095
ATM Available
Polish National Credit Union: Front Street
923 Front Street
Chicopee, Massachusetts 01020
ATM Available
Polish National Credit Union: Main Office
46 Main Street
Chicopee, Massachusetts 01020
ATM Available
Members Share
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24,329 members
Membership type: State chartered natural person credit union
Above average number of members

With 24,329 members, the Polish National Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 84% of credit unions.

Fees Share
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$53
Average fee per member
The average fee per member at the Polish National Credit Union is $53, which is comparable to most credit unions. This rate is lower than 46% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Polish National Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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215:1
Credit union member to staff ratio
215 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
113 staff members
FTE (full-time equivalent)
15% of employees are part-time
104 full-time, 18 part-time

Polish National Credit Union has 104 full-time staff members and 18 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 85% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Polish National Credit Union has around 215 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets Share
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$602,874,739
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
12.7%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$72,566
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 100% of credit unions.

Polish National Credit Union holds a total of $490,260,000 in loans and leases, which is about $72,566 per member on average.

Savings interest rate Share
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Polish National Credit Union pays 0.10%.

Loan rates Share
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9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.25%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.05%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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4.10%
New car loan rate
Compared to 4.0% nationally
4.32%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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4.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.30%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.05%
Other real estate loan rates
Compared to 0.9% nationally

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Similar Credit Unions to Polish National Credit Union

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Polish National Credit Union: Westfield River Office
Credit Union Branch: 1 Parkside Avenue
Westfield, Massachusetts 01085 ATM Available
Polish National Credit Union: Front Street
Credit Union Branch: 923 Front Street
Chicopee, Massachusetts 01020 ATM Available
Polish National Credit Union: Main Office
Credit Union Branch: 46 Main Street
Chicopee, Massachusetts 01020 ATM Available
Polish National Credit Union: Southampton Office
Credit Union Branch: 32 College Highway
Southampton, Massachusetts 01073 ATM Available
Polish National Credit Union: Hampden
Credit Union Branch: 25 E. Longmeadow Road
Hampden, Massachusetts 01036 ATM Available
Polish National Credit Union: Hampden ATM
Credit Union ATM: 25 E. Longmeadow Road
Hampden, Massachusetts 01036
Polish National Credit Union: Wilbraham Office
Credit Union Branch: 202 Boston Road
Wilbraham, Massachusetts 01095 ATM Available
Polish National Credit Union: Exchange Street Chicopee Office
Credit Union Branch: 244 Exchange Street
Chicopee, Massachusetts 01013 ATM Available
Polish National Credit Union: Chicopee Comprehensive High School
Credit Union Branch: 617 Montgomery Street
Chicopee, Massachusetts 01020 ATM Available
Polish National Credit Union: Granby Office
Credit Union Branch: 34 W. State Street
Granby, Massachusetts 01033 ATM Available