Polish National Credit Union Granby MA | Best Auto Loans & Drive-Thru Banking

Introduction

Welcome to Polish National, your trusted financial partner in the heart of Granby, MA. Located at 34 W State St, Granby, MA 01033, our branch has been serving the community since 1921 with a commitment to fostering financial wellness for all our members. With a robust membership base of 27,983, we pride ourselves on creating meaningful relationships and providing tailored financial solutions that meet your unique needs. At Polish National, we understand that every member's journey is different. That's why we offer a diverse range of services including personal banking, auto loans, mortgage options, and business banking solutions. As of now, our total assets stand at an impressive $708,986,666, with total deposits reaching $11,813,608. Our financial health is reflected in our net worth of $100,169,302 and cash reserves of $4,513,367, ensuring we are well-equipped to support you in achieving your financial goals. Led by our dedicated CEO James Kelly and Board President Gary Ziemba, our team of 143 employees is here to assist you every step of the way. Whether you need assistance with a loan or want to explore your savings options, we're ready to help. While members can visit us at our branch for personalized service or take advantage of online banking through our website pncu.com, official correspondence should be sent to 34 West State Street, Granby, MA 1033 if different from our physical address. Our mission goes beyond just numbers; it's about making a positive impact in the community we serve. Join us today and experience how Polish National can be part of your financial journey. Feel free to reach out at (413) 467-7168 or drop by during our operating hours Monday through Wednesday from 8:45 AM to 4:00 PM and Thursday through Friday from 8:45 AM to 5:00 PM with Saturday hours from 8:45 AM to 12:00 PM. We look forward to welcoming you!

Branch History & Mission

Community Engagement

Polish National believes that true success comes from giving back. We actively engage in various community outreach efforts and partnerships that enrich lives beyond banking. Our focus on supporting local initiatives reflects our dedication to making Granby a better place for everyone. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at 34 West State Street, Granby, MA 01033 if it differs from your physical visits. In closing, we invite you to become part of the Polish National family. Join us today and experience firsthand how we can help you navigate your financial journey with confidence and care. Together, let's build a brighter future! For more information or to open an account online, please visit us at www.pncu.com. Whether you're looking for loans or simply want expert advice on managing your finances better we're here for you every step of the way!

Our Mission

At Polish National, our mission is clear: we aim to empower our members with the tools and resources they need to achieve their financial goals. We are dedicated not only to providing outstanding banking services but also to fostering a sense of community and support among our members. Our offerings include personal banking options such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking services. We understand that accessibility is crucial in today's world. That's why we offer digital banking solutions including online banking and mobile payments. Members can easily manage their finances anytime and anywhere. Additionally, we provide convenient ATM access and drive-thru banking for those on the go.

Branch Location & Accessibility

Welcome to the Polish National Credit Union's Granby Office! Conveniently situated at 34 W State St, Granby, MA 01033, our branch is easily accessible for all your banking needs. Whether you're a long-time member or new to our community, we're here to serve you with friendly faces and helpful services. While members can visit us at our Granby location, official correspondence should be sent to our mailing address at 34 West State Street, Granby, MA 1033. We are nestled in a vibrant part of Hampshire County, close to local landmarks that make finding us a breeze. Our branch is not only easy to locate but also offers ample parking and features designed for accessibility, including ADA-compliant ramps. At the Polish National Credit Union Granby Office, we aim to provide a welcoming environment where you can comfortably manage your finances. Our operating hours are designed to fit your busy schedule: we're open Monday through Wednesday from 8:45 AM to 4:00 PM, and Thursday and Friday from 8:45 AM to 5:00 PM. Need some weekend assistance? Stop by on Saturday from 8:45 AM until noon! We offer a variety of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans and mortgage options. Plus, enjoy the convenience of our ATM access and basic drive-thru banking for quick deposits and withdrawals. Have questions? Don't hesitate to reach out! You can give us a call at 413-467-7168 or stop by the branch today. We look forward to welcoming you into our family!

Member Eligibility

Joining the Polish National is like stepping into a welcoming community where your financial needs are understood and prioritized. If you're looking to become a member, you'll be glad to know that eligibility is designed to be straightforward and inclusive. Typically, individuals who live, work, or worship in the Granby area can join us. We cherish our local connections and aim to provide a supportive environment for everyone. For more specific details about eligibility, feel free to explore our dedicated page at https://www.pncu.com/membership/ , where you'll find all the updated information. Once you're ready to take the next step, opening an account at our branch located at 34 W State St, Granby, MA 01033 is easy! Just visit this link to start the process or call us at 413-467-7168 for any questions. We're excited to welcome you into our family and help you achieve your financial goals!

Business Banking & Commercial Services

Commercial Loans That Fuel 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 for Everyday Needs

In addition to loans, we offer merchant services that make transactions smoother. Imagine processing payments quickly while keeping your focus on growing your customer base. Our solutions help you manage cash flow effectively, so you can invest back into what matters most your business. Visit us at 34 W State St Granby Ma 01033 in Granby, MA, or call us at (413) 467-7168 to learn how we can partner with you for success. Together, let's build a thriving future!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need quick cash or want to make deposits without stepping inside? Our ATM & Cash Withdrawal Services, along with basic drive-thru banking options for simple transactions, are available at your convenience. Whether you're withdrawing cash or checking balances, we've got you covered. At Polish National located at 34 W State St Granby MA 01033, we are dedicated to making banking not just a necessity but a pleasant experience. If you have any questions or would like to learn more about how we can assist you with your financial needs, please don't hesitate to call us at 413-467-7168. Ready to take control of your financial future? Visit us today or explore more about our services online at www.pncu.com. We look forward to serving you!

Business Banking Solutions

For local businesses, we have tailored solutions under our Business Banking umbrella, including merchant services and business loans. These offerings ensure that entrepreneurs have the support they need to thrive in today's economy.

Credit Options

Don't forget about our Credit Cards with Rewards, which give you points for everyday purchases that can be redeemed for exciting rewards. This way, every swipe brings you closer to something special!

Digital Banking Features

In today's fast-paced world, we understand the importance of convenience. Our robust Online & Mobile Banking services allow you to manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, managing your money has never been easier.

Loans and Financing

If you're considering a new car or home, our Auto Loans & Vehicle Financing provide competitive rates to get you on the road quickly. We also offer Mortgage Loans & Refinancing options that can make homeownership more achievable for you. Perhaps you need some extra cash? Our Personal Loans & Debt Consolidation services can help simplify your finances by combining multiple debts into one manageable payment.

Personal Banking Services

For individuals seeking reliable banking options, we offer Personal Banking services that include checking and savings accounts designed to help you manage your finances effectively. Imagine being able to open a checking account that fits your lifestyle while also enjoying the benefits of a savings account to grow your funds over time.

Digital & Online Banking

Key Services

With our online banking platform, accessible through https://www.pncu.com/ , you can check balances, pay bills, and transfer funds with just a few clicks. Our 24/7 online banking services ensure that you can access your account whenever it suits you, without worrying about branch hours. Plus, if you're looking to send money quickly to friends or family, our person-to-person transfer feature makes it easy and hassle-free.

Mobile Convenience

For those who prefer banking on their mobile devices, our mobile application is here to help. Enjoy features like mobile payments that let you pay with just a tap. This means no more fumbling for cash or cards when you're out and about; simply use your phone for a secure transaction.

Security First

Your security is our top priority. While we currently do not offer electronic signature authorization (No), we employ various measures to keep your data safe as you navigate our online services. We believe that peace of mind is essential when managing your money. In summary, at Polish National, we strive to provide a comprehensive digital banking experience that prioritizes convenience and security. Explore all these features today at https://www.pncu.com/ and take charge of your financial journey!

Stay Informed

Stay up-to-date with your finances using e-statements available at Yes. This eco-friendly option not only helps you keep track of your transactions but also ensures your information is easily accessible whenever you need it.

Financial Strength

A Solid Foundation

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. 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.

Commitment to Growth

Our commitment to reinvesting in our community is reflected in our $87,640,931 in undivided earnings. These funds allow us to enhance banking tools, strengthen lending options, and improve security measures for your peace of mind. With $1,103 in used auto loans and $594,656,694 in total loans and leases, we support our members' financial goals across various sectors.

Growing Together

Our strong member base is demonstrated by the total of 51,278 share accounts, showing that more people trust us with their finances every day. Additionally, the net shares available for lending stand at $2,960,171, further showcasing our capacity to support your needs. In 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 34 W State St Granby Ma 01033 or call (413) 467-7168 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

We believe in securing our members' savings. That's why we hold $142,704,545 in share certificates and $138,327,866 in money market shares, which offer stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members; this is evident as we have no non-member deposits at $0 our resources are focused solely on benefiting you.

Operational Efficiency

Our $2,102,882 indicates operational efficiency that allows us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 125 full-time employees and 18 part-time employees who are always ready to serve you with a knowledgeable, committed team.

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. Whether you're financing a brand-new model or a reliable used vehicle, we have options tailored just for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $54,224,358, make buying or refinancing simple. We provide competitive interest rates and flexible terms to make your journey to owning a home as smooth as possible.

Refinancing Options

If you're considering refinancing your current loans or credit lines for better rates or terms, our team is here to help you explore eligibility options that suit your situation. For more information about our loan products or to get started on your application today, feel free to reach out to us at (413) 467-7168 or visit us at our branch located at 34 W State St Granby MA 01033. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your financial future starts here with Polish National!

Total Loans Issued

With over 6,642 loans issued, we've helped thousands of members achieve their financial goals. Our commitment is to provide personalized service and financial guidance throughout your borrowing experience.

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. This product is perfect for those who want to build credit or cover unexpected expenses without high-interest rates.

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POLISH NATIONAL CREDIT UNION