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Membership Rewards Program

The merchants represented are not sponsors of Polam FCU or otherwise affiliated with Polam FCU. The logos and other identifying marks attached are trademarks of and owned by each represented company and/or its affiliates. Please visit each company’s website for additional terms and conditions.

Today’s Rates

30 Year Adjustable Rate from 6.50% *APR
5 Year Fixed Rate from 7.50% *APR
1. Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. NMLS ID Number is 853793
2. APRs are based on the following: Conforming (except 5/5 ARM products): Loan amount of $417,000.00 + closing costs. High Balance Loan amount of $625,500.00 + closing costs. Jumbo (except 5/5 ARM products): Loan amount of $850,000.00 + closing costs. Mortgage rates shown are based on a 30-day lock for the rate and term refinance of a primary residence. Under certain circumstances, a 30-day rate lock may not be available.
Savings 0.65% **APY
12 month CD1 2.25% **APY
24 month CD1 2.75% **APY
– Rates subject to change without notice
– For other terms and conditions please refer to product information page.
1Minimum opening balance: $5,000.00
New Auto Up to 84 months 6.25% *APR
Used Auto Up to 72 months 7.25% *APR
– Rates subject to change without notice
– For other terms and conditions please refer to product information page.

News & Articles

  • How to Use Your Home Equity Line of Credit
    If you’re a homeowner, you likely already know that you can tap into the equity built into your home and use the funds for a variety of purposes. The longer you own your home, the more equity is earned. Home equity lines of credit (HELOCs) aren’t your traditional loan – they’re reserved for homeowners, and …
  • How to Keep Your Loved Ones Safe from Elder Abuse
    Scammers and cybercriminals tend to target the most vulnerable people in our society, and as a large and vulnerable population, senior citizens are a common target for financial scams. Elder abuse in the form of financial exploitation is a sad but common reality, and if you have elderly friends or family members who you worry …
  • Choosing Your Ideal Neighborhood as a Homeowner
    If you’re a homeowner, you know this to be true: When looking for a home to buy, you’re not just choosing a house – you’re also choosing a neighborhood. The location of your future home plays an important role in your home buying experience; for example, if you have children that attend public school, where …