picture of golden eggInvestment Account Solutions

We can help you make the most of your investment opportunities. Whether you are saving for college for your child, retirement, a down payment on a home or a major life event we have solutions to help. 

Individual Retirement Accounts (IRA)

It's never too soon to start planning for retirement. Watch your money grow with the safety and security of having a retirement account with us. Contact a representative and let us help you to maximize your retirement options today!

IRA Accumulation Account

Secure your savings for the future... open this account with as little as $10 and make additional deposits throughout the year. It's easy with Direct Deposit. Your dreams of a carefree retirement are only an IRA away.

Traditional IRA

Annual contributions may reduce your taxable income.** Earnings grow tax-deferred until withdrawn. You are required to start withdrawing at age 70 1/2. Open a federally insured IRA with a minimum deposit of $10.00!

Roth IRA

Earnings are tax-free if account is open for five tax years and withdrawn for a qualified reason (age 59 1/2, disability, death, or a first-time home purchase). You may also keep your account beyond age 70½ and continue to make contributions. Establish a Roth IRA account for as little as $10.00.

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Open an IRA

IRA Information and Resources

Traditional and Roth IRAs 

Transfers, Rollovers, and Conversions

IRA and Retirement Plan Distributions 

Inherited IRAs

Coverdell ESAs

Health Savings Accounts 

Share Certificates

Security and flexibility

Pioneer Valley Credit Union's Share Certificates deliver it all. From low minimum deposits to terms from 3 months to 60 months, we can create a Share Certificate savings plan to match your lifestyle and savings goals. Best of all, your money is protected; making our Share Certificates the smart way to save. Our Share Certificates only require $1,000.00 as a minimum deposit to open. Contact the Member Service department and take advantage of your investment opportunities today

Direct Flex Share Certificate

We're Flexible... our Direct FLex is a Share Certificate with great options. Starting with only a minimum of $500.00 as an initial deposit, including a one time rate upgrade, also the ability to add money at any time.  Plus the more money you have in your Direct Flex the more interest you can earn with our tiered rate options.  Climb to a higher tier and open a Direct Flex today!

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Open a Share Certificate 

Money Market Account

Access, flexibility, and higher rates are some of the great benefits our Money Market Accounts have to offer:

  • Only $2,500.00 is required to open and maintain a Money Market Account
  • Money Market earns a higher rate than a regular Share Account
  • As your balance increases so does your dividend rate
  • Dividends are calculated on an average daily balance and paid monthly

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Open a Money Market

Education Savings Account

A great way to save for your child's education expenses such as:

  • Tuition
  • Computers
  • Supplies
  • Books
  • Fees
  • and More

Save up to $2000 per child annually. Earnings grow tax free**. As little as $10 will start an Education Savings Account (ESA). A Youth Account must be established first with a representative prior to opening an Education Savings Account. Contact us at 413-733-2800 to get started today!

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Open an Educational Savings Account (ESA)!  

**Consult with your tax advisor
Your savings are federally insured to at least $250,000 and are backed by the full faith and credit of the United States Government.