Accessory Dwelling Unit (ADU) Financing

What is an Accessory Dwelling Unit (ADU)?

An ADU (Accessory Dwelling Unit) is a secondary, fully self-contained living space located on your property. At PNCU, we’re here to help our members bring these smart housing solutions to life by offering tailored financing options, clear guidance, and trusted expertise every step of the way.

Unlock the Potentional of Your Backyard with an ADU!

ADUs offer a wide range of practical benefits, including:

    • Generating rental income
    • Housing aging relatives
    • Providing space for adult children
    • Accommodating overnight guests
    • Adding functional space
    • May increase property value and home equity

Extra Income

Rent your ADU for reliable monthly cash flow to support your family and community.

Multi-Generational Living

Provide comfortable, private space for parents, adult children, or extended family.

May Increase Property Value

Add functional living space to enhance your property’s value and build long term equity.

Apply Online

Our online application is easy

Rates

Check our current rates

Learn More

Learn more about ADUs

Relationships Built to Last

For more information about accounts and services, visit a credit union branch in Western MA near you, use our Contact Form, or call us at (413) 592-9495.

To open an account or apply for a loan with PNCU, you must become a member. Membership is attained by opening a deposit account and is open to individuals of all nationalities who live, work or attend school in Hampden, Hampshire, Franklin and Berkshire Counties in the state of Massachusetts and Hartford, Litchfield and Tolland Counties in the state of Connecticut.
Accessibility by WAH