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Deposit Rates

Deposit Rates Effective May 1, 2024

Savings Dividend Rate APY*
Savings
$100 minimum balance required to earn dividends
($5 minimum balance required to open an account)
0.05 % 0.05%

*APY = Annual Percentage Yield is based on the assumption that dividends remain on deposit for the entire dividend period. Dividends are paid monthly and at maturity. Early withdrawal penalties may apply. Fees and penalties may reduce principal. Rates and yields listed above apply only to the dates listed above and are subject to change without notice. Your savings are federally insured up to at least $250,000 by the NCUA, a U.S. Government Agency. POLAM FCU also provides Additional Share Insurance, at no cost to you, for up to double your insurance limits. For more info, please contact us at (800) 404 – 5137.

Savings Certificate Term with a Minimum Balance $2,500
TermDividend RateAPY*
6 months.995 %1.00%
1 Year1.49 %1.50%
2 Years1.73 %1.75%
3 Years1.49 %1.50%
4 Years1.49 %1.50%
5 Years1.73 %1.75%
Savings Certificate Term with a Minimum Balance $25,000
TermDividend RateAPY*
6 months2.47 %2.50%
1 Year2.47 %2.50%
2 Years2.23 %2.25%
3 Years1.98 %2.00%
4 Years2.23 %2.25%
5 Years1.98%2.00%
Savings Certificate Term with a Minimum Balance $50,000
TermDividend RateAPY*
6 months2.71%2.75%
1 Year3.92%4.00%
2 Years2.71 %2.75%
3 Years2.71 %2.75%
4 Years2.47%2.50%
5 Years2.96 %3.00%
Savings Certificate Term with a Minimum Balance $100,000
TermDividend RateAPY*
6 months3.19 %3.25%
1 Year4.88%5.00%
2 Years3.20 %3.25%
3 Years2.71 %2.75%
4 Years2.96 %3.00%
5 Years3.44 %3.50%

*APY = Annual Percentage Yield is based on the assumption that dividends remain on deposit for the entire dividend period. Dividends are paid monthly and at maturity. Early withdrawal penalties may apply. Fees and penalties may reduce principal. Rates and yields listed above apply only to the dates listed above and are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA, a U.S. Government Agency with additional insurance coverage through American Share Insurance. For more info, contact us at (800) 404 – 5137.

Money Market Minimum Balance
Balance RangeDividend RateAPY*
$2,500 to $25,0000.30 %0.30%
$25,000 to $75,0000.40 %0.40%
$75,000 to unlimited0.65%0.65%

*APY = Annual Percentage Yield is based on the assumption that dividends remain on deposit for the entire dividend period. Dividends are paid monthly and at maturity. Early withdrawal penalties may apply. Fees and penalties may reduce principal. Rates and yields listed above apply only to the dates listed above and are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA, a U.S. Government Agency with additional insurance through American Share Insurance for up to double the account insurance. For more info, contact us at (800) 404 – 5137.

Traditional | Roth | Education Minimum Balance
Minimum BalanceDividend RateAPY*
$1,0000.30%0.30%

*APY = Annual Percentage Yield is based on the assumption that dividends remain on deposit for the entire dividend period. Dividends are paid monthly and at maturity. Early withdrawal penalties may apply. Fees and penalties may reduce principal. Rates and yields listed above apply only to the dates listed above and are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA, a U.S. Government Agency with additional insurance through American Share Insurance, which can double your insurance coverage. For more info, contact us at (800) 404 – 5137.