Polish National Credit Union Chicopee MA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Polish National, your trusted financial partner located at 617 Montgomery St, Chicopee, MA 01020. Since our establishment in 1921, we have been dedicated to serving our community with personalized banking solutions tailored to meet the needs of our members. With a proud membership of 27,983, we are committed to helping you achieve your financial goals. At Polish National, we understand that every member's journey is unique. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage options, and even business banking solutions. Our total assets stand strong at $708,986,666, ensuring that we can support you with robust financial services. With $11,813,608 in total deposits and a net worth of $100,169,302, you can trust that your money is in good hands. Under the leadership of our CEO, James Kelly, and Board President Gary Ziemba, we strive to create a welcoming environment where everyone feels valued. Our team of 143 dedicated employees works tirelessly to provide exceptional service and guidance. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 617 Montgomery Street, Chicopee, MA 1020. We invite you to experience the difference that a local credit union can make in your life. If you're ready to take the next step toward better banking or have any questions about our services, feel free to give us a call at 413-594-3534 or explore more on our website at www.pncu.com. Let us partner with you on your financial journey today!

Branch History & Mission

The story of Polish National Credit Union is one of community, dedication, and growth. Since opening its doors in 1921, right here at 617 Montgomery St, Chicopee, MA 01020, this branch has stood as a pillar of financial support for its members and the surrounding community. With a strong commitment to serving the needs of its members, Polish National has grown to welcome over 27,000 members while managing total assets of approximately $708 million. As a member-focused institution, our mission is to provide accessible financial services that empower individuals and families to achieve their financial goals. We strive not just to offer banking products but to build lasting relationships within our community. Our services include everything from personal banking options like checking and savings accounts to auto loans and business banking solutions. While our main office is located in Chicopee, we encourage our members to visit us at our branch for personal service. However, if you need to send us official correspondence, please use our mailing address: 617 Montgomery Street, Chicopee, MA 01020. We pride ourselves on being more than just a credit union; we are an integral part of the Chicopee community. Over the years, we've developed partnerships with local organizations to promote financial literacy and support community events. Our commitment extends beyond banking; we aim to uplift and empower every member of our community. In keeping pace with modern technology, we offer various digital services such as online banking and mobile payments. This ensures that our members can manage their finances conveniently and securely. Additionally, we are proud of our ADA compliance efforts to ensure that everyone can access our services without barriers. Operating hours at Polish National are tailored to fit the needs of our community: we are open Tuesday, Wednesday, and Friday from 11:00 am until 1:00 pm during the school calendar year. Although currently closed for summer hours, we're excited to serve you when classes resume. If you're looking for a credit union that values you not just as a member but as part of a family, Polish National is here for you. Join us today and experience firsthand how we can help you reach your financial dreams! For any inquiries or assistance, feel free to contact us at (413) 594-3534. Together, let's build a stronger financial future!

Branch Location & Accessibility

Additional Features

For added convenience, we offer ATM services right on-site, allowing you quick access to your funds whenever needed. While we don't have drive-thru banking or shared services available at this branch, our dedicated team is always ready to help with personal banking options such as checking accounts, auto loans, mortgage financing, and more. While members can visit us at 617 Montgomery St, official correspondence should be sent to the same address for mailing purposes. We look forward to welcoming you into the Polish National family! Don't hesitate to stop by or give us a call we're here to make your banking experience enjoyable and stress-free.

Convenient Access and Nearby Landmarks

You'll find our branch situated close to popular spots in Chicopee, making it easy for you to drop by while running errands or after enjoying a day out. Whether you're coming from downtown or nearby neighborhoods, our location offers ample parking and features designed with accessibility in mind, ensuring everyone can visit comfortably.

Operating Hours and Services

We're here for you during our lobby hours on Tuesday, Wednesday, and Friday from 11:00 AM to 1:00 PM. Please note that we operate only during the school calendar year and are currently closed for the summer. We invite you to reach out at 413-594-3534 if you have any questions or need assistance before your visit.

Member Eligibility

Becoming a member of Polish National is like joining a family that truly cares about your financial well-being. Located at 617 Montgomery St Chicopee Ma 01020, we welcome anyone who lives, works, worships, or attends school in the area to join our community. This means if you're part of our vibrant neighborhood, you're already eligible! Our members enjoy not only competitive rates and personalized service but also the peace of mind that comes with being part of a cooperative institution focused on your needs. Getting started is easy simply check out the detailed eligibility criteria on our website at https://www.pncu.com/membership/ . If you're ready to open an account, you can find all the information you need right here: https://secure.myvirtualbranch.com/pncu/signin.aspx?p_r=1 . Should you have any questions or need assistance, don't hesitate to reach out to us at (413) 594-3534. We're excited to welcome you into the Polish National family!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $143 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $210 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $45,834,894, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

Imagine running your business with payment solutions that make transactions smoother. Our merchant services provide tools to accept payments easily, whether online or in-store. This means you can focus on what you do best growing your business while we handle the financial details. Located at 617 Montgomery St Chicopee Ma 01020 in Chicopee, MA, we are here to help you navigate your financial options. Contact us at (413) 594-3534 to learn how our business banking services can empower you today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Enjoy easy access through our ATM services available at various locations. You can perform basic transactions like withdrawals and balance checks without hassle. At Polish National, we're more than just a credit union; we're part of your community. We invite you to explore all that we have to offer by visiting us in person or checking out our website at https://www.pncu.com/. If you have questions or need assistance, don't hesitate to call us at (413) 594-3534. Join us today and take the first step toward achieving your financial dreams!

Auto Loans and Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options come with competitive rates and terms that fit your budget. Imagine driving away in your dream car with a loan that's right for you. We guide you through the process, ensuring you understand all your options so you can make an informed decision.

Business Banking

For local business owners, Polish National offers robust business banking services, including merchant services and business loans. We understand the challenges of running a business and are committed to providing the financial tools necessary for success.

Credit Cards with Rewards

Enjoy shopping? Our credit cards with rewards allow you to earn points on every purchase, which can be redeemed for travel, merchandise, or cash back. It's a smart way to make everyday spending work for you.

Mortgage Loans and Refinancing

For those looking to buy a home or refinance an existing mortgage, our mortgage loans are designed with your needs in mind. We know this is one of the biggest investments you'll make, and we're here to simplify the process. From first-time homebuyers to seasoned homeowners, we offer support tailored specifically for you.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking platforms enable you to manage your accounts from anywhere at any time. With features like person-to-person payments and e-statements, staying connected has never been easier.

Personal Banking

We understand that managing your finances can sometimes feel overwhelming. That's why at Polish National, we offer personal banking services that make it easy for you to stay on top of your money. Our checking and savings accounts provide flexible options tailored to your lifestyle, allowing you to save for future needs while having easy access to your funds.

Personal Loans and Debt Consolidation

If you're facing unexpected expenses or trying to manage debt, our personal loans and debt consolidation services can help lighten the load. With flexible repayment plans, we work with you to create a manageable path toward financial freedom.

Digital & Online Banking

Accessibility & Ease of Use

Managing your finances should be straightforward, and that's exactly what we aim for at Polish National. Our online banking services provide real-time account management, so you can keep an eye on your spending and savings effortlessly. Whether you're at home or on the move, our tools are designed with you in mind. In short, with Polish National's digital banking offerings, you'll find everything you need to manage your finances efficiently all while enjoying peace of mind knowing that your information is secure. Start exploring these features today by visiting us at https://www.pncu.com/ and take control of your banking experience!

Key Features

One of the standout features of our digital banking is the ability to receive e-statements. This means you can say goodbye to paper clutter and access your statements quickly and securely online. We also offer a mobile application that allows you to manage your accounts right from your smartphone. With mobile payments available, making transactions has never been easier just tap and go! Need to send money to friends or family? Our person-to-person transfer feature lets you do just that with ease. You can quickly send or receive money without the hassle of cash or checks. And while we currently do not support electronic signature authorization, our commitment to security ensures that all your transactions are safe.

Financial Strength

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Polish National is your trusted partner. Visit us at 617 Montgomery St Chicopee Ma 01020 or call (413) 594-3534 to learn more about how we can help you achieve your financial goals.

Dedicated Team

We also take pride in having 125 full-time employees and 18 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. The total number of share accounts stands at 51,278, showcasing a strong and growing member base that trusts us with their finances.

Investment in Your Future

With $87,640,931 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is also significant; with $1,103 in used auto loans and $594,656,694 in total loans and leases, we support various financial goals across different sectors. Our operational efficiency is reflected in our $2,102,882, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member Savings Security

Members' savings are secured through $142,704,545 in share certificates and $138,327,866 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $100,169,302, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This robust figure underscores our ability to support our members' needs effectively. Our net worth ratio of $1,413 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $11,550,685 in used vehicle loans and $5,067,969 in new vehicle loans already helping members get on the road. We provide flexible terms that suit your budget and lifestyle, ensuring you can drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $45,834,894 provide the capital needed to grow and expand. We understand the challenges faced by small businesses and are here to support your ambitions with tailored financing solutions. If you're considering refinancing any of these products or need more information about eligibility options, please reach out to us at (413) 594-3534 or visit our website at Polish National. Our dedicated team is here to assist you in finding the best financial solutions for your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $54,224,358, make buying or refinancing simple. Our experienced team is ready to guide you through the process and help you find the right solution for your housing needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $101,786 in loans helping members manage their finances effectively. These cards come with competitive rates and rewards that can make everyday purchases more rewarding.

Loan Aggregator

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POLISH NATIONAL CREDIT UNION