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New Membership

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Eligibility
Applying is fast and easy!
You will need the following information in order to complete the application:
Government issued ID/Driver's license/State ID or Passport with current address
Your complete physical and mailing address
Social Security Number
Please review our membership requirements and choose an option below
Please note: The American Consumer Council, MA Chapter (ACC) is an association committed to consumer education and awareness. Joining ACC, MA Chapter is free which qualifies you for membership.  You qualify if you are a consumer who lives, works, or worships in Massachusetts or any of the following states:  Connecticut, New Hampshire, Vermont, New York, or Rhode Island. 
Select your eligibility
I am employed by
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I live with or am a relative of a Pioneer Valley FCU member.
I want to join through an association
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Required Products
Primary Share Account

A savings account with a $25 minimum balance establishes membership.

Min Deposit: $25.00

Available Products
Pioneer Checking

The Pioneer Package is our classic Free Checking Account!

Give Rewards Checking

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Cash Rewards Checking

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Investor Rewards Checking

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6 Month Term Share Certificate

Pioneer Valley Credit Union's Share Certificates deliver it all. We can create a share certificate savings plan to match your lifestyle and savings goals. Best of all, your money is protected; making our share certificates the smart way to save. Click on our rate link for up to date rates.

12 Month Term Share Certificate

Pioneer Valley Credit Union's Share Certificates deliver it all. We can create a share certificate savings plan to match your lifestyle and savings goals. Best of all, your money is protected; making our share certificates the smart way to save. Click on our rate link for up to date rates.

36 Month Term Share Certificate

Pioneer Valley Credit Union's Share Certificates deliver it all. We can create a share certificate savings plan to match your lifestyle and savings goals. Best of all, your money is protected; making our share certificates the smart way to save. Click on our rate link for up to date rates.

24 Month Term Share Certificate

Pioneer Valley Credit Union's Share Certificates deliver it all. We can create a share certificate savings plan to match your lifestyle and savings goals. Best of all, your money is protected; making our share certificates the smart way to save. Click on our rate link for up to date rates.

48 Month Term Share Certificate

Pioneer Valley Credit Union's Share Certificates deliver it all. We can create a share certificate savings plan to match your lifestyle and savings goals. Best of all, your money is protected; making our share certificates the smart way to save. Click on our rate link for up to date rates.

60 Month Term Share Certificate

Pioneer Valley Credit Union's Share Certificates deliver it all. We can create a share certificate savings plan to match your lifestyle and savings goals. Best of all, your money is protected; making our share certificates the smart way to save. Click on our rate link for up to date rates.

Direct Flex Term Share Certificate

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APY: 2.55% Min Deposit: $500.00

Money Market Account

Access, flexibility, and higher rates are some of the great benefits our Money Market Accounts have to offer. $2,500.00 is required to open and maintain the account.

Min Deposit: $2,500.00

Holiday Club

It's a great way to save for holiday expenses. Open a Holiday Club for as little as $10.00. 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).

Min Deposit: $10.00

Emergency Fund

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.

Min Deposit: $10.00

Vacation Club

A fast and easy way to accumulate money for that dream vacation. Minimum balance is $10.00 to open an interest bearing vacation club, get three free withdrawals a year. Make your next vacation stress free and start saving now!

Min Deposit: $10.00

Secondary Share

This account is comparable to a savings account at most financial institutions.

APY (Annual Percentage Yield)
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Description

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Application Cancelled

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Application Cancelled

We have cancelled your application.

If this was a mistake and you would like to fix errors you can return to the application now.


Funding

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Funding
How much do you want to deposit?

Fund via Internal Transfer

Fund via Credit Card

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Transfer from another finacial institution

Tell Us About Yourself

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Tell Us About Yourself
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Please indicate the percentage of the payout each beneficiary will receive:



Press this button if you want to assign an equal value to all beneficiaries.

In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

Current Physical Address
Contact Information
Identification
About Your Employment

Please scan and attach any requested documents here.

Co-Driver's License Scan

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To speed up the application process, please take a picture of the BACK of your United States driver’s license. This will prepopulate your name and address information directly to your application.

If you do not wish to use this feature simply click the “Done” button, to proceed.


Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Driver's License Scan

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To speed up the application process, please take a picture of the BACK of your United States driver’s license. This will prepopulate your name and address information directly to your application.

If you do not wish to use this feature simply click the “Done” button, to proceed.


Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Minor Applicant Information

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Tell Us About Yourself

Joint Applicant Information

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About Your Joint Applicant
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment
Please scan and attach any requested documents here.

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Document Upload Source Selector

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Review and Submit

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Review and Submit
Product Selections
Applicant Information
Beneficiary Information
Contact Information
Identification Information
Address
Employment Information
Previous Employment Information
Joint Applicant Information
Joint Applicant Contact Information
Joint Applicant Identification
Joint Applicant Address
Joint Applicant Employment Information
Funding Source
Review Minor Information
Minor Information
Minor Contact Information
Minor Physical Address
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Please select an Identification Code that could be used for phone authentication. (must be 4-20 characters)*
Re-enter: Please select an Identification Code that could be used for phone authentication. (must be 4-20 characters)