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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 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

  • The High Risks of Payday Loans
    Payday lenders seem to be everywhere. From busy city streets to neighborhood strip malls, these businesses promise fast cash and quick approval when money is tight. While payday loans may appear to offer a short-term solution to an immediate financial need, they often come with serious risks that can create long-term financial stress. At Polam …
  • Simple Ways to Take Control of Your Spending
    Overspending is something nearly everyone experiences at some point. No matter your income level, it is easy to make purchases without much thought and assume small expenses do not matter. Over time, however, those habits can quietly interfere with your financial goals and lead to unnecessary debt. From daily coffee runs to impulse purchases on …
  • Credit Card Safety Tips
    Identity theft is a genuine concern for consumers nationwide. As technology continues to advance, scammers are constantly developing new and more sophisticated ways to access personal and financial information. From online shopping to everyday purchases, how you use your credit card plays an important role in protecting your identity and your money. At Polam FCU, …