CD Specials

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The Polish National Credit Union’s 11-month and 22-month limited time Certificate of Deposit (CD) special gives you the advantage of a great rate and the ability to make withdrawals. Unlike a traditional CD, you get more flexibility with the option to take out money when you need it – all without fees.

Visit one of our branch locations or contact our call center at 413-592-9495.

Features

Features
  • Term for either 11 months or 22 months with the ability to make withdrawals.
  • Up to 3 withdrawals allowed during the term that can total up to 50% of the amount deposited.
  • Lock in a great rate with more control over your investment.

Requirements

Requirements
  • Need to either open a new Perks Checking Account or have an existing one. This offer does not apply to funds presently on deposit at Polish National Credit Union.
  • Each withdrawal will count towards the 3 withdrawal limit.
    • The sum of all withdrawals cannot exceed 50% of the amount deposited.
  • $25,000 minimum to open.
    • Maximum deposit may not exceed $250,000.

Peace of Mind

Peace of Mind
  • Backed by the NCUA – Savings are federally insured up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by Massachusetts Share Insurance Corporation, (MSIC).
  • Access to your money – Have up to 50% access of the amount deposited or up to 3 withdrawals with no penalty or fee.
  • Mobile App and Online Banking – access your certificate and accounts on the go.

Term Share Rates

Check our current rates

Locations & Hours

Visit us at one of our 8 locations

TermDividend RateAPY
Limited Time CD Specials11 months5.00%5.20%
22 months4.00%4.14%
1) Effective July 1, 2024, the Annual Percentage Yield (APY) for the 11-month certificate special is 5.20%. Individuals must have a Perks Checking Account. The dividend rate is paid on the entire balance in your account. Interest compounds daily. The minimum balance to open the account and to earn the advertised rate is $25,000. New money only (funds currently held at the credit union cannot be used for this offer). This offer is for individuals only and IRA accounts are not eligible. The maximum deposit allowed is $250,000. *A maximum of three withdrawals is allowed without penalty during the term of this certificate. To earn the advertised rate, the combined withdrawals cannot exceed 50% of the amount deposited. Contact a member service representative for additional information. Rates are subject to change without prior notice. Fees could reduce earnings. This is a limited time offer that may be rescinded at any time. Other Restrictions may apply. Membership is required.

2) Effective July 1, 2024, the Annual Percentage Yield (APY) for the 22-month certificate special is 4.14%. Individuals must have a Perks Checking Account. The dividend rate is paid on the entire balance in your account. Interest compounds daily. The minimum balance to open the account and to earn the advertised rate is $25,000. New money only (funds currently held at the credit union cannot be used for this offer). This offer is for individuals only and IRA accounts are not eligible. The maximum deposit allowed is $250,000. *A maximum of three withdrawals is allowed without penalty during the term of this certificate. To earn the advertised rate, the combined withdrawals cannot exceed 50% of the amount deposited. Contact a member service representative for additional information. Rates are subject to change without prior notice. Fees could reduce earnings. This is a limited time offer that may be rescinded at any time. Other restrictions may apply. Membership is required.

 Membership is attained by opening a deposit account and is open to individuals who live, work, worship or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a member service representative for more information.

Relationships Built to Last

For more information about accounts and services, find a branch nearest you, use our Contact Form, or call us at (413) 592-9495.

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