Credit union · NCUA insured
POLAM Federal Credit Union CD Rates
Top CarrotPOLAM Federal Credit Union’s best CD rate is 4.40% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How POLAM Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where POLAM Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
POLAM Federal Credit Union
4.10%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,225
Savings Certificate
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
POLAM Federal Credit Union CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo4.10%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where POLAM Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Savings Certificate
Up to 4.10%APY · 6 terms
Lock funds for terms ranging from 6 months to 5 years. Minimum to open is $2,500 ($500 for members under 18 years of age). Dividends paid monthly and at maturity. Early withdrawal penalties may apply.
| Term | APY · $2,500 and up | APY · $25,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsAssumes dividends remain on deposit for the entire dividend period. Dividends paid monthly and at maturity. Early withdrawal penalties may apply | 3.75% | 3.85% | 3.95% | 4.05% | 3.75%3.85% from $25k3.95% from $50k4.05% from $100k | $186 |
| 12 monthsAssumes dividends remain on deposit for the entire dividend period. Dividends paid monthly and at maturity. Early withdrawal penalties may apply | 3.90% | 4.15% | 4.25% | 4.35% | 3.90%4.15% from $25k4.25% from $50k4.35% from $100k | $390 |
| 24 monthsAssumes dividends remain on deposit for the entire dividend period. Dividends paid monthly and at maturity. Early withdrawal penalties may apply | 3.95% | 4.05% | 4.15% | 4.25% | 3.95%4.05% from $25k4.15% from $50k4.25% from $100k | $806 |
| 36 monthsAssumes dividends remain on deposit for the entire dividend period. Dividends paid monthly and at maturity. Early withdrawal penalties may apply | 3.95% | 4.05% | 4.15% | 4.25% | 3.95%4.05% from $25k4.15% from $50k4.25% from $100k | $1,232 |
| 48 monthsAssumes dividends remain on deposit for the entire dividend period. Dividends paid monthly and at maturity. Early withdrawal penalties may apply | 4.00% | 4.10% | 4.20% | 4.30% | 4.00%4.10% from $25k4.20% from $50k4.30% from $100k | $1,699 |
| 60 monthsAssumes dividends remain on deposit for the entire dividend period. Dividends paid monthly and at maturity. Early withdrawal penalties may apply | 4.10% | 4.20% | 4.30% | 4.40% | 4.10%4.20% from $25k4.30% from $50k4.40% from $100k | $2,225 |
Sources (2)
All captured Oct 6, 2026
Who can join POLAM Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the Polish American Congress in Arizona are eligible for membership.
- Polish-Americans living in Southern California, or individuals living in Southern California who are members of the Polish American Congress by making a minimal, one-time donation.
- Members of the Northwest Ohio Polish Cultural Center in Toledo, Ohio are eligible for membership.
Family and household
- Friends and families of Polish-Americans living in Southern California, or a family member of an existing member.
Cost to join
- A minimum deposit of $5.00 is required to open a savings account.
- A $20 supporting membership fee is due if not already a member of the qualifying associations or a family member of an existing member.
Membership information collected October 5, 2026.