Credit union · NCUA insured
Polam Federal Credit Union CD Rates
A $73.6M credit union headquartered in Redwood City, CA, with 3,794 members and 6 branches in 3 states.
How Polam Federal Credit Union’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where Polam Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Polam Federal Credit Union
2.25%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $690
IRA Certificate of Deposit
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
IRA Certificate of Deposit
Up to 2.25%APY · 5 terms
All certificates are subject to an early withdrawal penalty. For IRA Certificates, early withdrawal penalty is waived if the IRA owner is age 59½ years or older. Minimum balance for all IRA certificates is $100. Rates may vary at the time of maturity or renewal. Annual maintenance fee of $20 waived for accounts with balances of $10,000 or more and an active checking account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAnnual maintenance fee of $20 waived for accounts with balances of $10,000 or more and an active checking account | 1.00% | $50 |
| 12 monthsAnnual maintenance fee of $20 waived for accounts with balances of $10,000 or more and an active checking account | 1.50% | $150 |
| 18 monthsAnnual maintenance fee of $20 waived for accounts with balances of $10,000 or more and an active checking account | 1.55% | $233 |
| 24 monthsAnnual maintenance fee of $20 waived for accounts with balances of $10,000 or more and an active checking account | 1.75% | $353 |
| 36 monthsAnnual maintenance fee of $20 waived for accounts with balances of $10,000 or more and an active checking account | 2.25% | $690 |
Sources (4)
All captured Oct 16, 2026
Certificate of Deposit (CD)
Up to 2.00%APY · 5 terms
All certificates are subject to an early withdrawal penalty. Minimum CD deposit $5,000. Minimum term is 6 months. At maturity the certificate will convert to a savings account. Rates may vary at the time of maturity or renewal. All regular certificates can be opened as IRA certificates, unless otherwise noted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.75% | $37 |
| 12 months | 1.25% | $125 |
| 18 months | 1.50% | $226 |
| 24 months | 1.65% | $333 |
| 36 months | 2.00% | $612 |
Who can join Polam Federal Credit Union
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