Deposit Rates

 Dividend RateAPY*Minimum Opening BalanceMinimum Balance for APY*
PNCU Perks Checking Account
Balances between $0.01 to $10,000.000.24%0.24%$25.00$0.01
Portion over $10,000.000.05%0.24%-0.05%**$25.00$10,000.01
Cost Less NOW Account0.05%0.05%$25.00$10.00
Teen NOW Account0.05%0.05%$25.00$10.00
*Annual Percentage Yield (APY), effective March 16, 2020. The Dividend Rate is paid on the entire balance in your account. Rate is subject to change without prior notice. Fees could reduce earnings.
**Blended Annual Percentage Yield of 0.15% on a balance of $20,000.00. The APY ranges depending on the balance in the account. A lower APY will be earned for balances over $20,000.00.


Membership is attained by opening deposit account and is open to individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.
 Dividend RateAPY*Minimum Opening BalanceMinimum Balance for APY
Perks Savings Account$25.00$10.00
Balances up to $1,000.000.98%1.00%$25.00$10.00
Balances between $1,000.01 and $2,000.000.49%1.00% - 0.75%$25.00$10.00
Balances between $2,000.01 and $3,000.000.25%0.75% - 0.58%$25.00$10.00
Balances $3,000.01 and over0.10%0.58% - 0.10%$25.00$10.00
Statement Savings Account0.05%0.05%$25.00$10.00
Teen Statement Savings Account0.05%0.05%$25.00$10.00
Youth Statement Savings Account0.05%0.05%$25.00$10.00
Christmas Club0.05%0.05%$5.00$10.00
All Purpose Club0.05%0.05%$5.00$10.00
Money Market0.05%0.05%$1,000.00 $1,000.00
IRA Money Market0.05%0.05%$10.00$10.00
Premium Money Market
$1,000 - $24,999.990.10%0.10%$1,000.00 $1,000.00
$25,000 - $74,999.990.15%0.15%$1,000.00$25,000.00
$75,000 - $99,999.990.20%0.20%$1,000.00$75,000.00
$100,000 - $149,999.990.20%0.20%$1,000.00$100,000.00
$150,000 + above0.20%0.20%$1,000.00$150,000.00
*Annual Percentage Yield (APY), effective March 16, 2020. The Dividend Rate is paid on the entire balance in your account. Rate is subject to change without prior notice. Fees could reduce earnings.
**Blended Annual Percentage Yield of 0.15% on a balance of $20,000.00. The APY ranges depending on the balance in the account. A lower APY will be realized for balances over $20,000.00.


Membership is attained by opening deposit account and is open to individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.
 TermDividend RateAPY*
Term Share3 months0.05%0.05%
6 months0.10%0.10%
12 months0.20%0.20%
18 months0.25%0.25%
24 months0.30%0.30%
36 months0.40%0.41%
48 months0.45%0.46%
60 months0.55%0.56%
*Annual Percentage Yield (APY), effective May 18, 2020. The Dividend Rate is paid on the entire balance in your account. Rate is subject to change without prior notice. Fees could reduce earnings. The minimum balance to open a Term Share account is $500.00. The minimum balance to earn the stated APY for a Term Share account is $500.00. Not eligible for IRAs. Available for individuals only. Maximum deposit or balance per account for this special is $250,000.00. A penalty may be imposed for early withdrawal. Compounds daily. Contact a Credit Union representative for additional information about applicable fees and terms. Offer can be rescinded at any time.

Membership is attained by opening deposit account and is open to individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.
 TermDividend RateAPY*
Term Share IRA12 months0.20%0.20%
18 months0.25%0.25%
24 months0.30%0.30%
36 months0.40%0.41%
48 months0.45%0.46%
60 months0.55%0.56%
*Annual Percentage Yield (APY), effective May 18, 2020. The Dividend Rate is paid on the entire balance in your account. Rate is subject to change without prior notice. Fees could reduce earnings. The minimum balance to open an IRA Term Share account is $250.00. The minimum balance to earn the stated APY for an IRA Term Share account is $250.00. Available for individuals only. Maximum deposit or balance per account for this special is $250,000.00. A penalty may be imposed for early withdrawal. Compounds daily. Contact a Credit Union representative for additional information about applicable fees and terms. Offer can be rescinded at any time.

Membership is attained by opening deposit account and is open to individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.

Your Deposits are Insured in Full

The Credit Union is federally insured by NCUA. Additional insurance is provided by MSIC. Learn more about deposit insurance.

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