Polam Home Loans Purchase or Refinancing

The perfect home deserves the perfect mortgages

Home Loan Financing

Polam Car Loans Drive your dreams

Enjoy rates
as low as:
Up to 84 months!
5.25^{% APR}

Auto Loan Financing

Polam Vantage Credit Card One card for every part of Your Life

Products recommended for you

Home
Loans

Car
Loans

Credit
Cards

Personal
Loans

Membership Rewards Program

redeem rewards sign in

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

HELOC (2nd Mortgage):

Rate Effective Date: October 1, 2026

Term	Variable Rate APR*
20 years	6.70% (fixed up to 5 years, then adjustable)

1st Mortgage:

Rate Effective Date: October 1, 2026

Term	Fixed rate APR*
30 years	6.25% (fixed up to 5 years, then adjustable)

*APR – Annual Percentage Rate. 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 is required. The index is WS-Prime Rate, as made available by the Federal Reserve. Rate increases are capped at 2% annually and 5% lifetime based on the initial rate. APR applies to 2nd Mortgage for the most qualified applicant at LTV up to 80%. Not all applicants will qualify for the lowest rate. Rates vary based on property value, line amount and other factors, and will vary for second or vacation homes. Payments and rates can be adjusted monthly. Payments will increase if rates increase. The rate is calculated using an index plus a margin.

Savings and Checking Account:

Rate Effective Date: October 1, 2026

Account type	Minimum Balance	Interest Rate APY*
Regular Savings	$100	0.65%
Regular Checking	$0	0.07%

*APY – Annual Percentage Yeld. Rates subject to change before or after account opening without notice.

Certificate of Deposit (CD):

Rate Effective Date: October 1, 2026

Term	Minimum Deposit	Interest Rate APY*
6 months	$5,000 – $49,999	0.75%
12 months	$5,000 – $49,999	1.25%
18 months	$5,000 – $49,999	1.50%
24 months	$5,000 – $49,999	1.65%
36 months	$5,000 – $49,999	2.00%

*APY – Annual Percentage Yield. Rates may vary at the time of maturity or renewal. All certificates are subject to an early withdrawal penalty.

IRA Certificate of Deposit:

Rate Effective Date: October 1, 2026

Term	Minimum Deposit	Interest Rate APY*
6 months	$5,000 – $49,999	1.00%
12 months	$5,000 – $49,999	1.50%
18 months	$5,000 – $49,999	1.55%
24 months	$5,000 – $49,999	1.75%
36 months	$5,000 – $49,999	2.25%

*APY – Annual Percentage Yield. Rates may vary at the time of maturity or renewal. All certificates are subject to an early withdrawal penalty is waived if the IRA owner is age 59½ years or older. Fees could reduce earnings.

Auto Loans

Rate Effective Date: October 1, 2026

Term	New Auto Fixed Rate APR* As Low As	Used Auto Fixed Rate APR* As Low As
Up to 36 months	5.25%	5.50%
48 months	5.35%	5.60%
60 months	5.45%	5.70%
72 months	5.55%	5.80%
84 months	5.65%	5.90%¹

1 – Available only for the cars up to 3 years old. *APR – Annual Percentage Rate. Auto rates starting at 5.25%; subject to change without notice. Lowest rate shown with a financed Loan-to-Value (LTV) ratio of 100%. We are unable to offer financing for Branded Titles (salvaged, rebuild, lemon law). Rates are subject to change depending on the loan term, loan to value (LTV), vehicle age, vehicle mileage, credit history, account relationship, or promotional programs.  Actual rates are disclosed to approved applicants in writing prior to loan consummation. Loan payment estimated example: 0-36 months: $30.08 per month per $1,000 at 5.25% APR; 48 months: $23.19 per month per $1,000 borrowed at 5.35% APR; 60 months: $19.08 per month per $1,000 borrowed at 5.45% APR; 72 months; $16.36 per month per $1,000 borrowed at 5.55% APR; 84 months: $14.44 per month per $1,000 at 5.65% APR.

Polam Rates

Mobile
Banking

CardValet

Online
Banking

Mobile Wallet

Popular
eServices

News & Articles

The 50/30/20 Budget Rule
Creating a budget does not have to mean tracking every single dollar or giving up everything you enjoy. One budgeting approach that can provide a simple starting point is the 50/30/20 rule. This method divides your after tax income into three general categories, needs, wants, and savings or debt repayment. The idea is to use …
Continue reading
Planning Ahead for Large Purchases
Buying a car, replacing an appliance, paying for a major home improvement, or making another large purchase can have a significant impact on your budget. Rather than waiting until the expense becomes urgent, planning ahead can help you prepare financially and make the purchase with greater confidence. The first step is identifying what you are …
Continue reading
Why Financial Organization Reduces Stress
Money can be a source of stress, especially when bills, subscriptions, savings goals, and everyday expenses all seem to compete for your attention. One of the simplest ways to feel more in control is to become more organized with your finances. Financial organization does not mean creating a complicated system. It means knowing where your …
Continue reading