An Individual Retirement Account is one of the best ways to save for retirement. At POLAM Federal Credit Union we offer a wide range of IRA terms to help you maximize earning potential and reach your retirement goals.

“Your future is full of possibilities, a POLAM IRA just helps you get there faster”

Available Terms1 Minimum Opening Deposit Dividend Bearing Account Minimum Balance to earn dividends
6 mos., 12 mos., 18 mos. 24 mos., 36 mos. $100 Yes $100


  • Flexible Term Options
  • No Monthly Service Fees
  • No Annual Service Fees 2
  • Competitive Interest Rates
  • Interest Compounded Daily
  • 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 map apply.

2. Annual maintenance fee of $20 waived for accounts with balances of $10,000 or more and an active checking account.