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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
– Rates subject to change without notice
– For other terms and conditions please refer to product information page.
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 Steps to Take Before Buying a Car
    Buying a car, whether new or used, is an exciting milestone. It often represents independence, convenience, and progress toward personal goals. At the same time, stepping onto a dealership lot without preparation can quickly turn excitement into stress. Knowing what to do before speaking with a salesperson can help you feel confident and in control …
  • Smart Habits to Strengthen Your Credit Score
    Your credit score is one of the most important numbers in your financial life. It influences the interest rates you qualify for, your ability to secure a mortgage or auto loan, and even rental or employment opportunities in some cases. While improving your credit score may seem overwhelming, the truth is that consistent, responsible habits …
  • Make the Most of Your Tax Refund
    For many households, receiving a tax refund feels like a welcome financial boost. While it may be tempting to spend it quickly, your refund can be a valuable tool to strengthen your long term financial health. Each year, the Internal Revenue Service issues millions of refunds to taxpayers. Instead of viewing your refund as extra …