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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 want to join through an association
I am employed by
I live with or am a relative of a Pioneer Valley Credit Union member
I am an existing member
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Required Products
Select at least one of the following products required for membership
Primary 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.

APY: 0.03% Min Deposit: $25.00


You may select one of the following products
Available Products
Pioneer Checking

A free and simple account for easy money management. • No Minimum Balance • No Monthly Fee • Free Checks for Life

Cash Rewards Checking

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Investor Rewards Checking

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Secondary Share

Customize your Share Account to suit your saving needs.

APY: 0.03%

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).

APY: 0.03% Min Deposit: $10.00

Vacation Club

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

APY: 0.03% Min Deposit: $10.00

Emergency Fund

Open this account to prepare for unexpected expenses and live stress free. Our Financial Life Coaches recommend three to six months worth of living expenses be set aside.

APY: 0.03% Min Deposit: $10.00

Money Market Account

Earn more with tiered rates and have easy access to your funds. The more you save, the more you will earn.

APY: 0.15% Min Deposit: $2,500.00

6 Month Certificate

Minimum of $1,000.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.35% Min Deposit: $1,000.00

12 Month Certificate

Minimum of $1,000.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.40% Min Deposit: $1,000.00

18 Month Directflex Certificate

Minimum of $1,000.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.45% Min Deposit: $500.00

24 Month Certificate

Minimum of $1,000.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.55% Min Deposit: $1,000.00

36 Month Certificate

Minimum of $1,000.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.65% Min Deposit: $1,000.00

48 Month Certificate

Minimum of $1,000.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.75% Min Deposit: $1,000.00

60 Month Certificate

Minimum of $1,000.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.85% Min Deposit: $1,000.00

6 Month Traditional IRA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.35% Min Deposit: $500.00

12 Month Traditional IRA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.40% Min Deposit: $500.00

18 Month Traditional IRA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.45% Min Deposit: $500.00

24 Month Traditional IRA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.55% Min Deposit: $500.00

36 Month Traditional IRA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.65% Min Deposit: $500.00

48 Month Traditional IRA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.75% Min Deposit: $500.00

60 Month Traditional IRA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.85% Min Deposit: $500.00

6 Month Roth IRA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.35% Min Deposit: $500.00

12 Month Roth IRA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.40% Min Deposit: $500.00

18 Month Roth IRA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.45% Min Deposit: $500.00

24 Month Roth IRA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.55% Min Deposit: $500.00

36 Month Roth IRA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.65% Min Deposit: $500.00

48 Month Roth IRA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.75% Min Deposit: $500.00

60 Month Roth IRA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.85% Min Deposit: $500.00

6 Month Coverdell ESA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.35% Min Deposit: $500.00

12 Month Coverdell ESA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.40% Min Deposit: $500.00

18 Month Coverdell ESA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.45% Min Deposit: $500.00

24 Month Coverdell ESA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.55% Min Deposit: $500.00

36 Month Coverdell ESA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.65% Min Deposit: $500.00

48 Month Coverdell ESA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.75% Min Deposit: $500.00

60 Month Coverdell ESA Certificate

Minimum of $500.00 to open and maintain. For a higher rate, need a minimum of $25,000.00 to open and maintain.

APY: 0.85% Min Deposit: $500.00

Traditional IRA Share

APY: 0.03% Min Deposit: $10.00

Roth IRA Share

APY: 0.03% Min Deposit: $10.00

Coverdell ESA Share

APY: 0.03% Min Deposit: $10.00

APY (Annual Percentage Yield)
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Please create an ID Code for authentication. (must be 4-20 characters)*
Re-enter: Please create an ID Code for authentication. (must be 4-20 characters)
How did you hear about us?*
If other, please explain:
I would like to pick up my ATM/Debit card at a PVCU branch or have it mailed to me (7-10 business days).*
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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
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Transfer from another finacial institution

'Doing Business As' Information

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'Doing Business As' Information
DBA Business Information
Your Business Tax ID is used for identification purposes.
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
DBA Physical Address

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.
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

close
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