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 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

  • Financial Tips for College Students
    College is a transformative time for young adults as they navigate new academic responsibilities, extracurricular activities, and part-time jobs. While adjusting to these changes, it’s equally important to focus on a critical aspect of adulthood—financial health. Developing healthy financial habits and establishing good credit early on can make a significant difference in your post-graduation life. …
  • Fall into Savings
    As the air turns crisp and the leaves begin to change, fall is the perfect time to refocus on your financial goals. Whether you’re planning for the holidays, a big purchase, or just want to set aside a little extra for that rainy day, now is the time to take advantage of smart money-saving habits. …
  • Hidden Costs First-Time Homebuyers Should Know
    Buying a home is a monumental milestone, but it’s important to be prepared for more than just the down payment and mortgage. New homeowners often face unexpected expenses that can catch them off guard if they’re not fully informed. Here’s a breakdown of some common hidden costs you might encounter when purchasing a home. Home …