Pioneer Valley Credit Union

Springfield, Massachusetts
Last verified: August 4, 2026
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Verified rate book

Current Pioneer Valley Credit Union rates

72 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

4 offers
Pioneer Valley Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
10/1 ARM10 1 arm6.459% APR6.459%—Standard
7/1 ARM7 1 arm6.481% APR6.481%—Standard
5/1 ARM5 1 arm6.547% APR5.250%—Standard
10 Year Line/10 Year Repaymentother4.990% APR4.990%—Standard

Auto & vehicle rates

26 offers
Pioneer Valley Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
36-Month Auto Loanauto_any_36mo3.990% APR3.990%36 moStandard
Auto Loanauto3.990% APR3.990%—Standard
60-Month Auto Loanauto_any_60mo4.990% APR4.990%60 moStandard
48-Month Auto Loanauto_any_48mo4.990% APR4.990%48 moStandard
66-Month Auto Loanauto_any_66mo5.490% APR5.490%66 moStandard
72-Month Auto Loanauto_any_72mo5.990% APR5.990%72 moStandard
78-Month Auto Loanauto_any_78mo6.490% APR6.490%78 moStandard
84-Month Auto Loanauto_any_84mo6.990% APR6.990%84 moStandard
36-Month Motorcycle Loanmotorcycle_any_36mo6.990% APR6.990%36 moStandard
36-Month Boat Loanboat_any_36mo6.990% APR6.990%36 moStandard
36-Month RV Loanrv_any_36mo6.990% APR6.990%36 moStandard
48-Month RV Loanrv_any_48mo7.500% APR7.500%48 moStandard
48-Month Boat Loanboat_any_48mo7.500% APR7.500%48 moStandard
48-Month Motorcycle Loanmotorcycle_any_48mo7.500% APR7.500%48 moStandard
60-Month Boat Loanboat_any_60mo8.000% APR8.000%60 moStandard
60-Month RV Loanrv_any_60mo8.000% APR8.000%60 moStandard
60-Month Motorcycle Loanmotorcycle_any_60mo8.000% APR8.000%60 moStandard
72-Month RV Loanrv_any_72mo8.500% APR8.500%72 moStandard
72-Month Motorcycle Loanmotorcycle_any_72mo8.500% APR8.500%72 moStandard
72-Month Boat Loanboat_any_72mo8.500% APR8.500%72 moStandard
84-Month Motorcycle Loanmotorcycle_any_84mo9.000% APR9.000%84 moStandard
84-Month RV Loanrv_any_84mo9.000% APR9.000%84 moStandard
84-Month Boat Loanboat_any_84mo9.000% APR9.000%84 moStandard
Motorcycle Loan (96-120 Months)motorcycle_any_120mo9.500% APR9.500%120 moStandard
Recreational Vehicle (96-120 Months)rv_any_120mo9.500% APR9.500%120 moStandard
Boat Loan (96-120 Months)boat_any_120mo9.500% APR9.500%120 moStandard

HELOC rates

5 offers
Pioneer Valley Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity Loan (Fixed)heloc_fixed6.490% APR6.490%—Standard
5-Year Home Equity Loan (Fixed)heloc_fixed6.490% APR6.490%—Standard
10-Year Home Equity Loan (Fixed)heloc_fixed6.625% APR6.625%—Standard
15-Year Home Equity Loan (Fixed)heloc_fixed6.750% APR6.750%—Standard
20-Year Home Equity Loan (Fixed)heloc_fixed6.990% APR6.990%—Standard

Personal loan rates

4 offers
Pioneer Valley Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Credit Builder Loanpersonal6.950% APR6.950%—Standard
24-Month Credit Builder Loanpersonal_unsecured_24mo6.950% APR6.950%24 moStandard
Home Improvement Loan (Up to 84 Months)personal_unsecured_84mo9.500% APR9.500%84 moStandard
Personal Line of Credit (Eagle Line) (Revolving)ploc_variable12.950% APR12.950%—Standard

Savings & CD rates

32 offers
Pioneer Valley Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Secondary Share *savings0.03% APY0.03%—Standard
Share Accounts (Primary Share Account *)share_savings0.03% APY0.03%—Standard
Money Market ($2,500)money_market0.75% APY0.75%—Standard
Green High-Yield Savings 3 ($1,000)savings1.00% APY1.00%—Standard
Money Market ($25,000)money_market1.00% APY1.00%—Standard
Green High-Yield Savings 3 ($25,000)savings1.50% APY1.50%—Standard
Money Market ($50,000)money_market1.75% APY1.75%—Standard
Certificate, Traditional IRA, Roth IRA and Coverdell Education Savings Certificates (6 Month)ira_cd_6mo2.00% APY2.00%6 moStandard
6-Month Certificatecd_6mo2.00% APY2.00%6 moStandard
Certificateshare_certificate2.00% APY2.00%—Standard
12-Month Certificatecd_12mo2.00% APY2.00%12 moStandard
Certificate, Traditional IRA, Roth IRA and Coverdell Education Savings Certificates (12 Month)ira_cd_12mo2.00% APY2.00%12 moStandard
Green High-Yield Savings 3 ($50,000)savings2.25% APY2.25%—Standard
Money Market ($100,000)money_market2.25% APY2.25%—Standard
18-Month Certificatecd_18mo2.50% APY2.50%18 moStandard
Certificate, Traditional IRA, Roth IRA and Coverdell Education Savings Certificates (18 Month)ira_cd_18mo2.50% APY2.50%18 moStandard
Certificate, Traditional IRA, Roth IRA and Coverdell Education Savings Certificates (60 Month)ira_cd_60mo3.00% APY3.00%60 moStandard
Education Prime Share 2savings3.00% APY3.00%—Standard
24-Month Certificatecd_24mo3.00% APY3.00%24 moStandard
36-Month Certificatecd_36mo3.00% APY3.00%36 moStandard
48-Month Certificatecd_48mo3.00% APY3.00%48 moStandard
60-Month Certificatecd_60mo3.00% APY3.00%60 moStandard
Traditional IRA Prime Share 2ira3.00% APY3.00%—Standard
Certificate, Traditional IRA, Roth IRA and Coverdell Education Savings Certificates (24 Month)ira_cd_24mo3.00% APY3.00%24 moStandard
Certificate, Traditional IRA, Roth IRA and Coverdell Education Savings Certificates (36 Month)ira_cd_36mo3.00% APY3.00%36 moStandard
Certificate, Traditional IRA, Roth IRA and Coverdell Education Savings Certificates (48 Month)ira_cd_48mo3.00% APY3.00%48 moStandard
Green High-Yield Savings 3 ($100,000)savings3.15% APY3.15%—Standard
Green High-Yield Savings 3 ($150,000)savings3.20% APY3.20%—Standard
Green High-Yield Savings 3 ($200,000)savings3.25% APY3.25%—Standard
Certificate, Traditional IRA, Roth IRA and Coverdell Education Savings Certificates (30 Month)ira_cd_30mo4.05% APY4.05%30 moStandard
Certificate, Traditional IRA, Roth IRA and Coverdell Education Savings Certificates (20 Month)ira_cd_20mo4.25% APY4.25%20 moStandard
Prime High-Yield Checking 4 ($500)savings6.00% APY6.00%—Standard

Other rates

1 offer
Pioneer Valley Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Revolvingother12.950% %12.950%—Standard

As of August 4, 2026, Pioneer Valley Credit Union offers a 10 1 arm mortgage at 6.459% APR. Vehicle loans available from 3.99% APR for 36 months. HELOC rates from 6.49% APR. Personal loan rates from 6.95% APR. Savings and certificate yields up to 6.00% APY.

Source: RateAPI.dev, verified from Pioneer Valley Credit Union's official website

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About Pioneer Valley Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
11.6K
Assets
$164.9M
Founded
1923
Locations reported
5
NCUA charter
24443
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Student scholarships
  • Credit-builder products

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

BrightbridgeSpringfield - Industry Ave · Springfield · MA · 01104-3222Branch in the same ZIPFreedomBOYLSTON · SPRINGFIELD · MA · 01104-3323Branch in the same ZIPUmassfive CollegeMercy Medical Center Branch · Springfield · MA · 01104-2377Branch in the same ZIPGreater SpringfieldMain Office · Springfield · MA · 01109About 1.3 miles awayAldenMain Office · Chicopee · MA · 01020-1255About 2.8 miles awayPolish NationalFront Street · Chicopee · MA · 01020-1723About 2.8 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Pioneer Valley Credit Union

Membership eligibility from Pioneer Valley Credit Union's own published criteria. How we verify this.

Membership criteria are published on Pioneer Valley Credit Union's website. Check the membership page below to confirm whether you qualify.

Verified from Pioneer Valley Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Pioneer Valley Credit Union offer?

Pioneer Valley Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Pioneer Valley Credit Union rates updated?

RateAPI verifies Pioneer Valley Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Pioneer Valley Credit Union's rate data?

Rate data is collected directly from Pioneer Valley Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Pioneer Valley Credit Union's mortgage rate?

As of August 4, 2026, Pioneer Valley Credit Union offers a 10 1 arm mortgage at 6.459% APR.

What are Pioneer Valley Credit Union's auto, rv, boat & motorcycle loan rates?

As of August 4, 2026, Pioneer Valley Credit Union offers vehicle loans from 3.99% APR.

What is Pioneer Valley Credit Union's HELOC rate?

As of August 4, 2026, Pioneer Valley Credit Union offers home equity lines of credit from 6.49% APR.

What is Pioneer Valley Credit Union's personal loan rate?

As of August 4, 2026, Pioneer Valley Credit Union offers personal loans from 6.95% APR.

What is Pioneer Valley Credit Union's best CD rate?

As of August 4, 2026, Pioneer Valley Credit Union offers savings and certificate (CD) yields up to 6.00% APY.

Related Rate Data

Compare Pioneer Valley Credit Union's rates against national credit-union benchmarks.

More Massachusetts credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for Pioneer Valley Credit Union
curl "https://api.rateapi.dev/credit-unions/massachusetts/pioneer-valley" \
  -H "Authorization: Bearer YOUR_API_KEY"
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