We’re member-owned and operated so you’ll always feel at home here. And, since we have no stockholders to pay, profits (after operating expenses) are returned directly to you and your fellow members, in the form of competitive dividend rates, low loan rates and reduced fees for services. Arrha Credit Union is regarded as the premier educational base credit union in the Western Massachusetts financial community. Originally chartered on October 5, 1929 with thirty-one original members. Today, we serve those individuals who live or work in Hampden, Hampshire or Franklin counties. In addition, we continue to serve the employees of the Springfield Public Schools, American International College, Springfield Technical Community College, Minnechaug Regional High School and the Massachusetts Career Development Institute along with the retirees and their families. We have approximately 11,000 members and more than $130 million in assets. In April 2019, the membership approved the expansion of our field of membership to include those who live or work in Hartford and Tolland counties in Connecticut and immediate family of such persons.