Vantage Savings

POLAM Vantage savings account provides the tools needed help you reach your goals. The features included
in the Vantage Savings account are designed to meet the needs of any level saver.

“A savings account design to give you the advantage, POLAM Vantage Savings”

Minimum Opening Deposit Number of withdrawals per month Dividend Bearing Account Minimum Balance to earn dividends
$100 6 Yes $100 4


  • Low opening deposit & minimum balance requirements
  • No Monthly Service Fees
  • No Annual Service Fees
  • No ATM Transaction Fee 1
  • Online & Mobile Banking
  • Rewards Program


1. No transaction fees at any CO-OP ATM locations.
2. Overdraft protection available on approved credit
3. APY=Annual Percentage Yield.
4. Balances below $100 will not earn interest.
Regulation “D” – Six-transaction limit on Savings Accounts: In consumer banking, “Regulation D” often refers to §204.2(d)(2) of the regulation, which places a limit of six withdrawals or outgoing transfers per month from savings or money market accounts via several transaction methods. Transactions counted against the limit include “preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card, or similar order made by the depositor and payable to third parties.” Transactions not counted against the limit include “mail, messenger or in person or when such withdrawals are made by telephone (via check mailed to the depositor).”