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Routing # 211885946

Emergency Fund

Get Started

Become self-reliant and ensure financial security if the unexpected occurs. Pioneer Valley Credit Union offers an Emergency Fund Account as a tool members and their families can use to be prepared for unanticipated expenses.

Emergency Fund Benefits

A dedicated account to help you handle life's surprises with confidence

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Set It and Forget It

Build your emergency savings automatically with direct deposit, so you're prepared without having to think about it.

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Peace of Mind

Get peace of mind with a Pioneer Valley Credit Union Emergency Fund Account and a financial cushion for unexpected expenses.

💳

Avoid High-Interest Debt

Cover unexpected costs without turning to high-interest credit cards or loans.

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Quick, Easy Access

Get to your funds quickly when you need them most, with no penalty for withdrawals.

How Much Should You Save?

A few simple numbers to keep in mind as you build your emergency fund

3-6
Months of Earnings Recommended
$10
Minimum to Open
$0
Withdrawal Penalty
Coach's Tip: Our certified Financial Coaches recommend saving three to six months of earnings for emergencies. Setting up automatic direct deposit into your Emergency Fund Account is one of the easiest ways to get there.

Account Details

A simple, dedicated place for your emergency savings

Built for Preparedness:

  • Segregated account, kept separate from everyday spending
  • Set up automatic contributions through direct deposit
  • No penalty for withdrawals

Ready When You Need It:

  • Handle car repairs, medical bills, or home repairs without financial stress
  • Avoid relying on high-interest credit cards during emergencies
  • Reduce anxiety knowing funds are set aside for the unexpected

Getting Started is Simple

Open an Emergency Fund Account by clicking the button below

1

Click Open Account

Select the button below to begin your application

2

Select Your Information

Enter the required information to get started

3

Go to Available Products

Scroll down to "Available Products" and click "Savings"

4

Add Your Account

Click the plus sign next to "Emergency Fund Account"

Ready to Prepare for the Unexpected?

Open an Emergency Fund Account today and get peace of mind for you and your family

Open an Emergency Fund Account Call (413) 733-2800

Federally insured by NCUA.

Account Terms: The Emergency Fund Account earns dividends at a fixed rate, subject to change, per the current rate sheet. No penalty applies to withdrawals. Minimum balance to open is $10.

Savings Recommendation: The recommendation of three to six months of earnings saved for emergencies is provided by Pioneer Valley Credit Union's certified Financial Coaches as general guidance and is not a guarantee or requirement.

*APR = Annual Percentage Rate;
APY = Annual Percentage Yield;
Terms and conditions apply.
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