Credit union · NCUA insured
Polish National Credit Union CD Rates
Polish National Credit Union’s best CD rate is 0.66% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Polish National Credit Union’s CD rates compare
Compared with banks and credit unions near Springfield, MA, where Polish National Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Polish National Credit Union
3.61%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $149
Perks Certificate Special
Top rate
Freedom Credit Union
4.50%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $566
2nd-highest rate
MASSMUTUAL
4.33%APY
- Term
- 15 months
- Requires
- Conditions apply
- Minimum
- $500
- Earns on $10,000
- $544
Polish National Credit Union CD score
61
CD score
Higher than 3% of U.S. banks and credit unions
- 3–8 months3–8 mo0.10%
- 9–15 months9–15 mo0.20%
- 16–30 months16–30 mo0.30%
- 31–60 months31–60 mo0.66%
- QualifiedQualified3.61%
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 Polish National 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.
Perks Certificate Special
3.61%APY · 1 term
Perks Checking Account required. Not eligible for IRAs. Available for individuals only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsRequires a Perks Checking Account | 3.61% | $149 |
Sources (1)
- pncu.com/savings-rates · captured Sep 18, 2026
Term Share
Up to 0.66%APY · 9 terms
Not eligible for IRAs. Available for individuals only. Membership open to individuals who live, work, worship or attend school in Hampden, Hampshire, Berkshire and Franklin counties in MA and Hartford, Litchfield and Tolland counties in CT.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.05% | $1 |
| 6 months | 0.10% | $5 |
| 12 months | 0.20% | $20 |
| 18 months | 0.25% | $38 |
| 24 months | 0.30% | $60 |
| 30 months | 0.30% | $75 |
| 36 months | 0.36% | $108 |
| 48 months | 0.46% | $185 |
| 60 months | 0.66% | $334 |
Sources (1)
- pncu.com/savings-rates · captured Sep 18, 2026
Special-purpose accounts
Term Share IRA
Up to 0.65%APY · 6 terms
Available for individuals only. Membership open to individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties in MA and Hartford, Litchfield and Tolland counties in CT.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.20% | $20 |
| 18 months | 0.25% | $38 |
| 24 months | 0.30% | $60 |
| 36 months | 0.35% | $105 |
| 48 months | 0.46% | $185 |
| 60 months | 0.65% | $329 |
Sources (1)
- pncu.com/savings-rates · captured Sep 18, 2026
Who can join Polish National Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or attend any accredited public or private college, university, high school, elementary school, or vocational school in Hartford, Litchfield, and Tolland counties in Connecticut are eligible for membership.
- Individuals who live, work, or attend school in Hampden, Hampshire, Berkshire, or Franklin counties of Western Massachusetts are eligible for membership.
Membership information collected October 5, 2026.