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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

  • Protecting Your Child’s Identity: Tips for Parents
    As a parent, one of your key responsibilities is ensuring your child’s safety in all aspects of life, and that includes their financial identity. Once your child turns 18, they’re stepping into the adult world, where their credit and financial health will have a huge impact on their ability to secure a home, obtain loans …
  • Breaking the Cycle of Overspending
    Consumerism is deeply ingrained in American culture, and with it comes the temptation to overspend. According to recent surveys, the average American overspends by approximately $7,500 each year. This trend fuels the rise of payday lenders and soaring credit card interest rates, leaving many people living beyond their means. While there’s nothing wrong with indulging …
  • Why Credit Unions Are the Smart Choice for Small Business
    The United States is often called the land of opportunity, and for millions, that opportunity comes in the form of a small business. With roughly 27 million Americans owning or running a small business, the demand for accessible financing is higher than ever. For aspiring entrepreneurs, a loan can be the perfect launchpad—and there’s no …