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Routing # 211885946

Personal Loans

Designed with your financial goals in mind. 

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Personal Loans

Whatever life brings your way, Pioneer Valley Credit Union has a lending option built to help. Explore our personal loan and line of credit options below to find the right fit for your goals.

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Eagle Line of Credit

Soar above your expectations with an Eagle Line of Credit. A fixed amount loan based on your credit profile, so you can self-manage on your own terms and access your money at any time. Connect your Eagle Line to your Checking Account to set it and forget it.

Key Benefits:

  • Borrow up to $25,000
  • Low monthly payments
  • Revolving credit — funds available again after each payment
  • No collateral required

Loan Details:

  • Unsecured, open-end personal line of credit
  • Fixed rate based on your credit score
  • Open term — no set repayment period
  • Quick transfer to your linked Checking Account
Learn More Apply Now Schedule Appointment
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Overdraft Line of Credit

Automatically funds your checking account to help you avoid costly overdraft charges for situations out of your control.

Key Benefits:

  • Avoid bounced payments and declined transactions
  • Acts as a short-term buffer for unexpected expenses
  • Typically less expensive than per-item overdraft fees
  • No annual or activation fees

Loan Details:

  • Maximum loan amount: $3,500
  • Fixed rate for term
  • Open term — no set repayment period
  • Funds automatically drawn to your checking account as needed
Apply Now
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Share Secured Loan

Borrow against your own savings while your funds keep earning dividends. A lower-risk way to access cash or start building your credit history.

Key Benefits:

  • Uses your own savings as collateral
  • Payments reported to credit bureaus
  • Pledged funds continue earning dividends
  • Typically lower rates than unsecured credit

Loan Details:

  • Maximum loan amount: up to your share balance
  • Interest rate: 3.00% above the share rate borrowed from (reference rate sheet)
  • Term: up to 24 months
Learn More Apply Now
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Share Certificate Secured Loan

Borrow against your Share Term Certificate with competitive, fixed rates — without having to liquidate your savings.

Key Benefits:

  • Access funds without disrupting your certificate
  • Certificate continues earning during the loan period
  • Fixed, predictable monthly payments
  • Great option to establish or strengthen credit history

Loan Details:

  • Maximum loan amount: up to your certificate balance
  • Interest rate: 3.00% above the share rate (reference rate sheet)
  • Term: matches the term of the certificate, or remaining time left on it
Learn More Apply Now
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Student Loans

Pioneer Valley Credit Union offers Student Loans for every stage of life.

Options Available For:

  • Members attending college
  • Members with children attending college
  • Consolidation options
Learn More About Our Student Loans

Not Sure Which Loan Is Right for You?

Our team is happy to help you find the best fit for your goals

Schedule an Appointment Call (413) 733-2800

Loan Terms: All loans are subject to credit approval. Rates and terms are based on creditworthiness and are subject to change; refer to the current rate sheet for details.

*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.