Home

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 5.95% *APR
Used Auto Up to 72 months 6.95% *APR
– Rates subject to change without notice
– For other terms and conditions please refer to product information page.

News & Articles

  • Smart Ways to Spend Money This Valentine’s Day
    Valentine’s Day often suggests expensive dinners, fancy gifts, and crowded stores with last-minute shoppers. The real meaning of the day is connection and appreciation. With planning and intention, you can enjoy a meaningful celebration that respects your budget. Good financial habits support every part of life, including the moments that create lasting memories. At POLAM, …
  • Why Going Mobile Helps You Stay Connected
    Our world has grown increasingly mobile driven, and since the introduction of the first iPhone in 2007, digital access has become a part of everyday life. Many services that once required an in person visit can now be accessed with a simple tap on a screen. At Polam Federal Credit Union, you are always welcome …
  • Preparing Financially Before Adopting a Pet
    Welcoming a new pet into your home can bring joy, companionship, and a comforting sense of warmth. Whether you adopt a curious kitten, an energetic puppy, or a gentle senior companion, the experience can be deeply rewarding. Before visiting a local shelter or rescue organization, it is important to take time to understand the financial …