Dec 272017

Banking with CO-OP ATM Network

Posted on December 27, 2017 Uncategorized

  Polam FCU is always striving to provide a better banking experience for our members, and part of doing that is making sure you have the best access to your finances when you’re on the go. We are proud to announce that we’ve moved from our partnership with Bank of the West to CO-OP Network for ATM service. This new relationship increases your access from roughly 700 surcharge-free ATMs to more than 30,000 around the United States and in 10 countries abroad.   Here are a few reasons why this new partnership is great for continuing our goal of giving

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Dec 202017

Online Banking – A Quick Guide to Simplifying Your Finances

Posted on December 20, 2017 Uncategorized

  For some people, online banking is second nature when it comes to their finances; with just about every financial institution having their own app, it’s incredibly easy to take care of your bills and bank accounts with a few finger taps. But for those who are used to a more “old school” way of managing their money, online banking can come off as unsecured and difficult to understand.   However, many people would be surprised to know that that’s not the case. Financial technology has been booming over the last several years, and it’s getting more secure, more simple,

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Dec 132017

Inexpensive and Unique Christmas Gift Ideas

Posted on December 13, 2017 Uncategorized

  It’s less than two weeks until Christmas, and time is running out to buy gifts for your friends and family. You might be slipping from your budget, which is a common occurrence in December, as there are always people to shop for and new gift ideas coming out at a rapid pace. It’s also easy to forget people on your Christmas list in the melee of the shopping season.   However, if you still have people to buy gifts for, and your budget is looking a little crunched, why not try a unique, inexpensive gift that’s a bit off

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Dec 052017

Financial Planning for the Holidays – How to Watch Your Budget

Posted on December 05, 2017 Uncategorized

  Although it seems like the holiday season starts earlier and earlier every year, it’s never too late to consider a budgetary plan for your holiday shopping. While Black Friday (and Black Thursday) can net you some incredible deals, many consumers shop throughout December for family and friends.   Whether you’re on a tight budget or you’ve got serious cash to spend, it’s always a good idea to have a financial plan before jumping in and buying the best for the people you love. At Polam FCU, we have a variety of tips regarding how to make the most out

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Nov 282017

Prequalified vs. Preapproved – Knowing the Difference

Posted on November 28, 2017 Uncategorized

  If you’re a first time homeowner, the mortgage process can be somewhat daunting. Even people who’ve owned a home before can get confused by the process. However, one important thing to understand is the difference between being prequalified for a mortgage and being pre-approved for one.   It can be easy to use the terms interchangeably, but because they mean different things, it’s good to be on the up-and-up with regards to terminology to make the home buying experience one with minimal stress.   What does it mean to be “prequalified”? When you are prequalified for a mortgage, your

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Nov 222017

Black Friday 101- How to Successfully Tackle Your Holiday Shopping

Posted on November 22, 2017 Uncategorized

  The official start of Christmas shopping season is almost upon us! This Friday marks Black Friday, a day in which you can clean up with great deals at retailers of all kinds. From big box stores to smaller shops, you can find great bargains almost everywhere. However, it can be a stressful experience, both for your brain and for your pocketbook.   Before embarking on your holiday shopping journey, it’s important to make a plan so you don’t overspend, and to ensure you’re choosing the perfect gifts for your friends and family. Here are a few of our tips

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Nov 152017

Money-Saving Tips for Your Thanksgiving Feast

Posted on November 15, 2017 Uncategorized

  Thanksgiving is one of the most popular holidays in the United States, and one where people make big efforts to celebrate with family, friends, and a giant feast. However, serving up a 15-pound turkey with all the trimmings can be costly, especially with Black Friday the next day and Christmas right around the corner.   There are so many easy and creative ways to trim your Thanksgiving spending. We collected a few tips to help you have a cost-effective and amazing Turkey Day!   Keep your menu simple. With Pinterest and Facebook tantalizing us with all the creative dishes

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Nov 092017

DYŻUR KONSULARNY W SACRAMENTO, CA

Posted on November 09, 2017 Uncategorized

    Konsulat Generalny RP w Los Angeles informuje, że dyżur konsularny związany z przyjęciem wniosków o paszport, odbędzie się dnia 6.12 w godz. 9.00 – 17.00 oraz 07.12 w godz. 9.00 – 15.00 w oddziale Polam Federal Credit Union – Sacramento, CA pod adresem: 4313 Elkhorn Blvd, Sacramento, CA 95842. 6 grudnia 2017 r. (środa) w godz. 9.00 – 17.00 oraz 7 grudnia 2017 r. (czwartek) w godz. 9.00 – 15.00 Polam Federal Credit Union – oddział Sacramento, CA 4313 Elkhorn Blvd Sacramento, CA 95842   OBOWIĄZUJĄ ZAPISY: Aby umówić się na spotkanie z konsulem należy wysłać e-mail na

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Nov 072017

Protecting Your Finances During a Natural Disaster

Posted on November 07, 2017 Uncategorized

  After the wildfires in Northern California and the hurricanes racking Texas and Florida, it’s a better time than ever to take steps to ensure your safety during a natural disaster. While some disasters can be somewhat predictable, like hurricanes, others can happen out of nowhere.   Once you’ve made plans for your physical safety, it’s vitally important to protect your financial safety as well. Here are a few tips to ensuring your financial security during an unexpected natural disaster.   Keep important documents both accessible and secure. It can be extremely expensive and time-consuming to replace items like a

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Oct 312017

Keeping Your Identity Safe in 5 Steps

  After the Equifax data breach earlier this year, more and more people have grown concerned with identity theft and their financial safety. These concerns have existed since the dawn of banking, but as technology advances, there are more risks to your identity security. At Polam FCU, we understand that it can take decades to build up your credit score and history, and the safety of our members is our top priority.   Here are a few important tips to help maintain the safety of your identity, finances, and your credit score.   Lock up what’s important. Keeping your social

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