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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 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

  • 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 …
  • Buying a New or Used Car or Truck
    As the year draws to a close, the hustle and bustle of holiday shopping often extends to car dealerships, making this one of the busiest times for car purchases. Whether you’re eyeing a brand-new model or a reliable used vehicle, buying a car is an exhilarating experience—but it can also be daunting. At Polam Federal …
  • Tips and Tricks for Combating Inflation
    In the last five years, the world has faced numerous trials and tribulations, including rising costs and difficulties accessing essentials. Inflation is a global phenomenon, and often it feels like there’s no real escape. However, with careful planning and budgeting, you can mitigate the impact of inflation and make your dollar stretch further. Here are …