Joe Kulig

Vice President Commercial Loan Officer at The Polish National Credit Union

Joe Kulig is an experienced banking professional currently serving as Vice President Commercial Loan Officer at The Polish National Credit Union since June 2025. Prior to this role, Joe held various leadership positions as Vice President - Relationship Manager at Florence Bank, Farmington Bank, and United Bank, and had a long tenure at TD Bank USA in the same capacity. Joe's career in the banking industry also includes experience as a Principal Bank Examiner for the Division of Banks - Commonwealth of Massachusetts. Joe holds a Master of Business Administration in Finance from Western New England University and a Bachelor of Business Administration in Marketing from the University of Massachusetts Amherst.

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The Polish National Credit Union

As a member-owned, not-for-profit financial cooperative, Polish National Credit Union is committed to our members. We will uphold our fundamental responsibility to actively serve people within our field of membership, and as appropriate, the communities they live in. We will treat all members with respect and dignity and we will offer honest fair deals to all members. We will deliver a range of low cost products and services to the diverse economic and social make-up of our members and potential members. We will look for better ways to reach the under-served in our field of membership. In addition, we will continually, in all facets of operation, demonstrate the value of membership in our Credit Union. We will monitor and communicate our service in a meaningful way so that, members, potential members, legislators, regulators and the community at large will understand and appreciate the unique role that member-owned financial cooperatives play in their lives. In our Strategic Plan we will strive to enable our members to become financially self-sufficient and successful. We will provide consumer education and teach financial thrift. Our Mission Statement remains "Not for Profit, Not for Charity, But for Service" and our philosophy of "People Helping People."


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51-200

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