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Routing # 211885946

Savings or CDs? Learn the Best Option for You.


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Both Savings Accounts and Certificates of Deposit (CDs) are great options for keeping your money safe while earning interest. Each account has their own benefits depending on your financial goals.

Savings Accounts
Your Pioneer Valley Credit Union Savings Account is Federally Insured by the NCUA. A Pioneer Valley Credit Union Savings Account has a $25 minimum balance that establishes membership with privileges and perks. Access your secure savings at any time. 

Your Pioneer Valley Credit Union CD is also secured and protected. Customize your savings plan with terms from 3 to 60 months with tiered savings options and access your money after the selected term.

Savings Accounts
Compared to a CD, Savings Accounts have relatively low rates. However, Pioneer Valley Credit Union offers a wide variety of dividend rates to fit each financial situation for each member's individual financial goals.

Earn a fixed dividend rate as high as 3.50% APY* with a SPECIAL 59 Month CD at Pioneer Valley Credit Union. Based on the selection of our variety of terms, members can select the rate that best meets their financial goals.

Savings Account Goals
• Emergency Fund
• Youth Savings
• Vacation Fund
• Everyday Purchases

CD Goals
• Monetary Gift for Grandchild/Child/Beneficiary
• Tuition in the Next Year
• Nest Egg
• Future Home Down Payment

Applies to Both
• Big Purchases in the Next 6-8 Months

Take the first step to reach your financial goals today! To start, click the button below.

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Select the required information and scroll down to "Available Products" to select the product that best suits your financial goals

¹APY=Annual Percentage Yield. Rates as of 9/21/2022. Tier 1 Certificate Minimum Balance to Open and Earn APY¹ is $1,000; Tier 2 Certificate Minimum Balance to Open and Earn APY¹ is $25,000. Rate based on balance until maturity date. Penalty will be imposed for early withdrawals on Term Share accounts; fees and certain conditions may reduce earnings. Full account disclosures will be given at the time of account opening. Membership required. 

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