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 Terms1Minimum Opening DepositDividend Bearing AccountMinimum Balance to earn dividends
6 mos., 12 mos., 18 mos. 24 mos., 36 mos.$100Yes$100


  • Flexible Term Options
  • No Monthly Service Fee
  • No Annual Service Fee2
  • Competitive Interest Rates
  • Interest Compounded Daily

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