• This simple and straight forward account establishes your credit union membership. With an approved membership application and an initial deposit of $100 you gain total access to the wealth of member benefits that POLAM has to offer.
• There is no investment term with our regular share account product. Dividends compound daily and are paid monthly. Also, there is no early withdrawal penalty if you withdraw funds on deposit before the end of the dividend period.
• This product offering provides you with the maximum in liquidity and earning potential. Couple these benefits and features with our competitive dividend rate and you'll find that a POLAM Regular Share Account is an outstanding member value. Current Dividends.

• If you're looking for a short-term investment strategy, add a Money Market Account to your investment portfolio. It pays a higher yield than a Regular Savings Account and keeps your money liquid. Our Money Market Accounts are insured up to $250,000 by the National Credit Union Share Insurance Fund. For Current Dividends please call us or send an email.

• IRAs are savings accounts designed to help wage earners save for retirement. Many members may still be eligible to deduct their IRA contributions from their taxable income For them, IRAs are great investments. For those who may not take the deduction, an IRA still remains one of the best methods to save for retirement. Because IRA earnings are sheltered from taxes, IRAs grow faster than ordinary savings accounts.
• POLAM Federal Credit Union offers traditional, Roth and educational IRA accounts. You can use our IRA investment product for rollover, transfer or contributory IRAs with no set-up charges or annual maintenance fees. Like the regular share account product, dividends compound daily and are paid monthly on minimum account balances of $100 and greater. Minimum balance to open an account is $100. To establish an IRA rollover the minimum investment is $1,000. Current dividends.

These investment accounts are a smart way to build short or long-term investment yields. Take a look at how our Term Share Certificate Accounts can help add to your investment portfolio:

• Terms from 6 to 60 months
• Competitive high-yields
• Insured up to $250,000 by the National Credit Union Share Insurance Fund
• Minimum balance of $2,500.00 to keep the account open and earn the disclosed yield and rate ($500.00 for members under 18 years old).