Special Offer


*Annual Percentage Rate (APR) effective as of March 22, 2018 and subject to change. The introductory rate of 1.50% will be in effect until 12 months from the date the line is opened. Thereafter, the rate may increase and is a variable APR which becomes adjustable monthly based on Prime Rate (currently 4.75% APR) as published in The Wall Street Journal with a maximum APR of 18%. Homeowners insurance is required and Flood insurance may be required (if applicable) prior to closing. Appraisal, courier fee, and recording fees may be applicable. Loan amount $10,000- $250,000. Rates apply to owner occupied 1-4 family residences with a maximum LTV of 80%. Early termination fee of $250 may apply if paid off and closed within the first 36 months. All loan applications are subject to credit underwriting and property approval. Special rate requires a $20,000 draw to be taken at closing. Consult a tax advisor concerning the deductibility of interest. You must become a member of PNCU if you are granted a loan, and remain a member for the life of the loan. Membership is attained by making a $25.00 deposit into a savings account and is open to individuals of all nationalities who live, work or attend school in Hampden, Hampshire, Franklin, and Berkshire Counties.

Apply Now

Applying online is as easy as 1-2-3. You can apply in as little as 20 minutes.

  • Apply now and complete the application.
  • When you have completed the application, click submit and your information will be reviewed.

Send us a message
Are you currently a member of Polish National Credit Union?:

Tell us what kind of loan you are looking for:
  • Are you buying or refinancing?
  • About how much do you want to borrow?
  • Which city or town?
  • Is the property a house? A condo? Something else?

For your financial security, please do not include account numbers, social security numbers or other private information in your message.

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A Polish National Credit Union Loan Originator will follow up to answer your questions.


Call at your convenience

Our goal is to provide the highest level of service at competitive rates. Call us at 866.592.7628 with any questions or for more information.

Check out our other deposit rates here.