Savings

Pioneer Valley CU offers savings options for new and long-term savers. We can help our members save for the future with ease.

Save it and forget it...

Whether you are saving for retirement, college or to take that next vacation even the smallest amount...counts. We can help you to automatically deposit into your savings account each time you get paid. A little savings can go a long way... one step at a time...truly can Change the Future.  Save it and forget and watch your money grow!

Savings at PVCU
Amount Saved Annual Savings*
$10 $520
$20 $1040
$30 $1560
$40 $2080
Shares • Holiday • Vacation • IRA Accounts • Emergency Funds • Change the Future
*Annual amounts saved above are based on weekly savings and represent straight savings which do not include the amount of interest which will accrue.

Open an Account Today!   View Rates

  • Share Account - A savings account with a $25 minimum balance establishes membership and maintains privileges. This account is comparable to a savings account at most financial institutions.
  • Share Certificates - Save your money at a great rate with flexible terms from 3 to 60 months.  A minimum deposit of only $1,000 is required to open.
  • IRA Accounts - When retirement seems far away we help put it in focus so you can save early and reap the benefits later. We offer Traditional and Roth IRA certificates and savings accounts.  Accounts can be opened with as little as $10. 
  • Money Market Accounts - Access and flexibility on your terms.  As your money grows so does your rate with the Money Market Account.  A minimum deposit of $2,500 is required to open.
  • Emergency Fund Account - Will help you be self-reliant and take care of bills if you have an unexpected expense or if your income is reduced or eliminated without relying on credit. Our Financial Life Coaches recommend three to six months worth of living expenses be set aside.
  • Trust Account - This account allows you to pass along your funds to your beneficiary, while maintaining control over the use of your account. This account is revocable, which means the trustee (you) may change or cancel beneficiaries. PVCU suggests you discuss your estate planning with a professional advisor.
  • Holiday Club - It's a great way to save for holiday expenses. Open a Holiday Club for as little as $10. The funds that have accumulated will be transferred directly into your Share Account, another designated account, or mailed upon your request. (Funds available November 1st).
  • Vacation Club - A fast and easy way to accumulate money for that dream vacation. Minimum balance is $10 to open an interest bearing vacation club, get three free withdrawals a year. Make your next vacation stress free and start saving now!
  • Secondary Share Account - This is a personalized dividend earning savings account. We will customize the title of the share account to your savings needs.

Youth Account Services

  • Youth Accounts - Members ages 0-11 years old can start saving with ease. Pioneer Valley CU will make the initial $25 deposit for members under the age of 2. These young members get the rewards of a free gift from our Fun Station each time they make a deposit.
  • $uper $avers Youth Accounts - To join the $uper $avers, members must be ages 12-15. $uper $avers can get a free gift from our Fun Station each time they make a deposit.
  • Teen Savings/Checking Accounts - Becoming a teenager is an exciting time at Pioneer Valley CU for our members ages 16-17. Members in this age group are able to open a savings account, a checking account, receive an ATM/Debit Card and access their accounts online with ValleyOnline Banking and with the PVCU Mobile App. These great services are available with the guidance of a parent or guardian.
  • Education Savings Account - A great way to save for your child's education to help pay for expenses such as tuition, supplies, books and more.  Save up to 2,000 annually per child annually.  Only $10 is needed to start an Education Savings Account today.
  • Student Loan Solutions - Whether your child is starting college or has already graduated we have solutions to help make paying for college affordable.  Learn more about our Student Loan programs today!