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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.
Existing Membership Number:
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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
Traditional IRA Share

APY: 0.03% Min Deposit: $10.00

Roth IRA Share

APY: 0.03% Min Deposit: $10.00

CESA Share

APY: 0.03% Min Deposit: $10.00

Secondary Share

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

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 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!

APY: 0.03% 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.

APY: 0.03% Min Deposit: $10.00

Money Market Account

Access, flexibility, and higher rates are some of the great benefits our Money Market Accounts have to offer: Only $2,500.00 is required to open and maintain a Money Market Account Money Market earns a higher rate than a regular Share Account As your balance increases so does your interest rate Dividends are calculated on an average daily balance and paid monthly.

APY: 0.15% Min Deposit: $2,500.00

Pioneer Checking

No Minimum Balance Requirement • No Monthly Fees • Free Checks for Life • Overdraft Line of Credit...Apply Now! • MasterCard ATM/Debit Card • Direct Deposit Information • Free Online Banking • Free Mobile Banking • Free Bill Pay • View Check Images

Cash Rewards Checking

Cash Rewards is a reward program with mass appeal. Account holders earn cash rewards for using their debit card. Benefits to you include increased interchange income, increased use of ACH, increased debit card usage, strong account retention and reduced statement rendering expense.

Investor Rewards Checking

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6 Month Certificate

Pioneer Valley Credit Union's Share Certificates deliver it all. With terms from 6 months to 60 months, 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. Our Share Certificates only require $1,000.00 as a minimum deposit to open. The rate will be higher if your initial deposit is $25,000 or greater.

APY: 0.35% Min Deposit: $1,000.00

12 Month Certificate

Pioneer Valley Credit Union's Share Certificates deliver it all. From low minimum deposits to terms from 3 months to 60 months, 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. Our Share Certificates only require $1,000.00 as a minimum deposit to open. Contact the Member Service department and take advantage of your investment opportunities today.

APY: 0.40% Min Deposit: $1,000.00

18 Month Directflex Certificate

We're Flexible... Our Direct Flex is a share certificate with great options. Starting with only a minimum of $500.00 as an initial deposit, including a one time rate upgrade, also the ability to add money at any time. Open a Direct Flex today! An initial deposit of $25,000 will make this Direct flex a higher rate.

APY: 0.45% Min Deposit: $500.00

24 Month Certificate

Pioneer Valley Credit Union's Share Certificates deliver it all. From low minimum deposits to terms from 3 months to 60 months, 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. Our Share Certificates only require $1,000.00 as a minimum deposit to open. Contact the Member Service department and take advantage of your investment opportunities today.

APY: 0.55% Min Deposit: $1,000.00

36 Month Certificate

Pioneer Valley Credit Union's Share Certificates deliver it all. From low minimum deposits to terms from 3 months to 60 months, 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. Our Share Certificates only require $1,000.00 as a minimum deposit to open. Contact the Member Service department and take advantage of your investment opportunities today.

APY: 0.65% Min Deposit: $1,000.00

48 Month Certificate

Pioneer Valley Credit Union's Share Certificates deliver it all. From low minimum deposits to terms from 3 months to 60 months, 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. Our Share Certificates only require $1,000.00 as a minimum deposit to open. Contact the Member Service department and take advantage of your investment opportunities today.

APY: 0.75% Min Deposit: $1,000.00

60 Month Certificate

Pioneer Valley Credit Union's Share Certificates deliver it all. From low minimum deposits to terms from 3 months to 60 months, 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. Our Share Certificates only require $1,000.00 as a minimum deposit to open. Contact the Member Service department and take advantage of your investment opportunities today.

APY: 0.85% Min Deposit: $1,000.00

6 Month Trad IRA Certificate

APY: 0.35% Min Deposit: $500.00

12 Month Trad IRA Certificate

APY: 0.40% Min Deposit: $500.00

18 Month Trad IRA Certificate

APY: 0.45% Min Deposit: $500.00

24 Month Trad IRA Certificate

APY: 0.55% Min Deposit: $500.00

36 Month Trad IRA Certificate

APY: 0.65% Min Deposit: $500.00

48 Month Trad IRA Certificate

APY: 0.75% Min Deposit: $500.00

60 Month Trad IRA Certificate

APY: 0.85% Min Deposit: $500.00

6 Month Roth IRA Certificate

APY: 0.35% Min Deposit: $500.00

12 Month Roth IRA Certificate

APY: 0.40% Min Deposit: $500.00

18 Month Roth IRA Certificate

APY: 0.45% Min Deposit: $500.00

24 Month Roth IRA Certificate

APY: 0.55% Min Deposit: $500.00

36 Month Roth IRA Certificate

APY: 0.65% Min Deposit: $500.00

48 Month Roth IRA Certificate

APY: 0.75% Min Deposit: $500.00

60 Month Roth IRA Certificate

APY: 0.85% Min Deposit: $500.00

6 Month CESA Certificate

APY: 0.35% Min Deposit: $500.00

12 Month CESA Certificate

APY: 0.40% Min Deposit: $500.00

18 Month CESA Certificate

APY: 0.45% Min Deposit: $500.00

24 Month CESA Certificate

APY: 0.55% Min Deposit: $500.00

36 Month CESA Certificate

APY: 0.65% Min Deposit: $500.00

48 Month CESA Certificate

APY: 0.75% Min Deposit: $500.00

60 Month CESA Certificate

APY: 0.85% Min Deposit: $500.00

APY (Annual Percentage Yield)
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Funding

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'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

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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