Skip to content

Credit union · NCUA insured

Polish-American FCU CD Rates

Top Carrot, Carrot Score 93Top Carrot

Polish-American FCU’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.

How Polish-American FCU’s CD rates compare

Compared with banks and credit unions near Detroit, MI, where Polish-American FCU has the most branches. $10,000, best rate first.

  • Top Carrot, Carrot Score 93

    This credit union’s best

    Polish-American FCU

    4.00%APY

    Term
    12 months
    Requires
    None
    Minimum
    $500
    Earns on $10,000
    $400

    Certificates

  • Top rate

    FreeStar Financial Credit Union

    5.25%APY

    Term
    18 months
    Requires
    Another account
    Minimum
    $500
    Earns on $10,000
    $798

    FreeStar Financial Credit Union rates

  • 2nd-highest rate

    Diversified Members Credit Union

    5.15%APY

    Term
    12 months
    Requires
    None
    Minimum
    $5,000
    Earns on $10,000
    $515

    Diversified Members Credit Union rates

Compare CD rates near you →

Polish-American FCU CD score

87

CD score

Higher than 77% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.99%
  • 9–15 months9–15 mo4.00%
  • 16–30 months16–30 mo3.95%
  • 31–60 months31–60 mo3.60%
  • QualifiedQualified4.00%

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.

How the score works →

Where Polish-American FCU 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.

Who can join Polish-American FCU

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Members of the Foundation and Center of the 2nd Polish Corps at Orchard Lake Schools in Orchard Lake, Michigan qualifying under bylaws as of April 2, 1993 are eligible.
  • Employees of All Star Amusement who work in Detroit, Michigan are eligible.
  • Members of the American Polish Cultural Center in Troy, Michigan qualifying under bylaws as of April 2, 1993 are eligible.
  • Members of the American Polish Engineering Association in Madison Heights, Michigan qualifying under bylaws as of May 26, 1993 are eligible.
  • Members of American-Polish Century Club in Sterling Heights, MI qualifying under charter and bylaws as of 9/15/2009 are eligible.
  • Employees of the credit union and persons retired as pensioners or annuitants from qualifying employment are eligible.
18 more ways to join

Employers and groups

  • Members of Our Lady of Czestochowa Church in Sterling Heights, MI qualifying under charter and bylaws as of 7/27/2009 are eligible.
  • Registered members and employees of St. Ladislaus Parish, St. Florian Parish, and Our Lady Queen of Apostles Parish in Hamtramck, Michigan are eligible.
  • Natural person, dues-paying members of the Polish American Congress, Michigan Division, who qualify under bylaws as of February 3, 1976, and live in Michigan are eligible.
  • Members of Polish Century Club of Detroit, Inc. in Troy, MI qualifying under charter and bylaws in effect on February 18, 1917 are eligible.
  • Members of The Polish Mission are eligible.
  • Members of the Polish Scouting Organization in Sterling Heights, Michigan qualifying under bylaws as of February 24, 1993 are eligible.
  • Members of the Pope John Paul II Society, P.R.C.U.A. No. 1593, in Warren, Michigan qualifying under bylaws as of May 12, 1994 are eligible.
  • Members of the National Polish-American Sports Hall of Fame in Troy, MI qualifying under charter and bylaws in effect on June 14, 1973 are eligible.
  • Registered members of St. Linus Parish and St. Sabina Parish located in Dearborn Heights, Michigan are eligible.
  • Members of White Eagle Sports Club in Troy, MI qualifying under charter and bylaws as of Nov. 19, 2009 are eligible.

Military, government and schools

  • Employees of the City of Hamtramck who work in Hamtramck, Michigan are eligible.
  • Employees of Hamtramck Public Schools who work in Hamtramck, Michigan are eligible.

Family and household

  • Spouses of deceased members within the field of membership, members of immediate family or household, and organizations of qualifying persons are eligible.

Other ways

  • Contributors to the Friends of the National Polish American Sports Hall of Fame are eligible.
  • Individuals of Polish heritage or descent may qualify for membership at PAFCU.
  • Members of the St. Andrew Parish Community Credit Union as of June 30, 1983 are eligible.
  • Members of record of the St. Ladislaus Credit Union as of the effective date of merger are eligible.
  • Members of record of the St. Linus Credit Union as of the effective date of merger are eligible.

Cost to join

  • A $5 deposit in a savings account is required for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Polish-American FCU overview