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Share Certificates

Freeze to Get the Best Rate

Get the best rate when you open a share certificate. You can lock your money for an extended period of time ranging from 6 months up to 5 years.

Different terms and amounts qualify for different rates. The minimum to open a share certificate is $2,500, or $500 for members under 18 years of age.

Your funds are Federally insured to at least $250,000 by the NCUA. A share certificate can also be used to build credit by securing it for a loan. Dividends are paid monthly and at maturity. Penalties for early withdrawal may apply. Remember, POLAM also has excess share insurance through American Share Insurance, at no cost to you, so your accounts can be insured for double the federally insured amount! For Consumers (

For more information about rates and terms call us at (800) 404-5137.