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Routing # 211885946

Pioneer Valley Credit Union

*APR = Annual Percentage Rate;
APY = Annual Percentage Yield;
Terms and conditions apply.
Click here for Loan Rates & Disclosure. Click here for Home Loan Rates & Disclosure. Click here for Savings Rates & Disclosure.

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Get More Value in the Valley

Join the Pioneer Valley Credit Union Family

Open an Account Apply for a Loan

Exclusive benefits and a team ready to assist every step of the way.

Whether it’s time for a lease buyout, to purchase a new vehicle or refinance and save on your monthly payment, Pioneer Valley Credit Union gets you behind the wheel of a great deal.

Plus, take advantage of our special discounted insurance by TruStage Insurance® exclusively for our members.

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Designed with your financial goals in mind.

Choose from a variety of exclusive products and services with flexibility and access. From weddings and child care to medical expenses and student loans- Pioneer Valley Credit Union has you covered.

OUR EXCLUSIVE Eagle Line of Credit gives you the ability to borrow up to $25,000 to get the cash that you need, when you need it, on your own terms.

Apply Now  View Rates   EAGLE LINE

Unlock the possibilities of your home’s value!

Your home’s equity can be used to benefit you! Use to consolidate debt, enhance your home, or pay college tuition. There are so many different ways to take advantage of this special low interest rate product.

Self-manage on your own terms and access your money at any time!

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Invest in your future!

Finance or refinance a mortgage with our great rates, low fees, and fast loan approval. Plus, FREE Financial Life Coaching and Budget Analysis for our First Time Home Buyers.

Our helpful Lending Team can help make your dream of owning a home a reality.

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Valley Blog & News

Pioneer Valley Credit Union Proudly to Supports Rays of Hope 2025

Pioneer Valley Federal Credit Union is honored to announce our sponsorship of the 2025 Rays of Hope Walk & Run, one of New England's premier fundraising events dedicated to fighting breast cancer through research, treatment, and support services 

💝 Make a Donation

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Join Us in Celebrating International Credit Union Day 2025!

Mark your calendars! On Thursday, October 16, 2025, credit unions around the world will celebrate the 77th annual International Credit Union Day® under the inspiring theme: "Cooperation for a Prosperous World."

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How to Finance Your Dream Boat or Jet Ski

Making Waves: Your Path to Watercraft Ownership

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Where to Open a Coverdell Education Savings Account

Looking for the best place to open a Coverdell Education Savings Account (ESA)? You've come to the right place. A Coverdell ESA is one of the most powerful tools for saving for education expenses, offering tax-free growth and tax-free withdrawals for qualified education costs from kindergarten through college. In this comprehensive guide, we'll show you exactly where to open a Coverdell ESA and why Pioneer Valley Federal Credit Union might be your best choice.

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Traditional IRA: Tax-Deferred Growth

A Traditional IRA offers one of the most straightforward paths to retirement savings with immediate tax benefits. By potentially reducing your taxable income today while your contributions grow tax-deferred, a Traditional IRA can be the cornerstone of a smart retirement strategy, especially if you expect to be in a lower tax bracket during retirement.

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The Power of Tax-Free Growth

Imagine retiring with a substantial nest egg and paying zero taxes on your withdrawals. That's the power of a Roth IRA – one of the most valuable retirement savings tools available today. With the potential for tax-free growth and tax-free withdrawals in retirement, a Roth IRA can help you keep more of what you earn throughout your golden years.

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From the Blog