POLAM CD accounts offer flexible term options and the comfort of knowing the return you will receive on your investment. Whether it is 12 months or 36 months away our CD accounts help you reach our goal.

“POLAM CD accounts, a confident way to save”

Available Terms1 Minimum Opening Deposit Dividend Bearing Account Minimum Balance to earn dividends
6 mos., 12 mos., 18 mos. 24 mos., 36 mos. $5,000 Yes $5,000


  • Flexible Term Options
  • No Monthly Service Fee
  • No Annual Service Fee
  • Competitive Interest Rates
  • Guarantee Your Return 1
  • Rewards Program


1. Early withdrawal penalties may apply to withdrawals made at any other time than during the grace period. Fees could reduce earnings on the account. Additional restrictions may apply.
2. APY=Annual Percentage Yield.
3. Minimum CD deposit $5000. Minimum Term is 6 months. At maturity the certificate will convert to a savings account. Penalty for early withdrawal.
4. All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all IRA certificates is $100