{"id":7908,"date":"2026-08-31T14:51:29","date_gmt":"2026-08-31T21:51:29","guid":{"rendered":"https:\/\/polamfcu.com\/rates\/"},"modified":"2026-09-01T15:22:48","modified_gmt":"2026-09-01T22:22:48","slug":"rates","status":"publish","type":"page","link":"https:\/\/polamfcu.com\/pl\/rates\/","title":{"rendered":"Stopy procentowe"},"content":{"rendered":"\n<!-- Nav tabs -->\n<nav>\n<div class=\"nav nav-tabs\" id=\"nav-tab\" role=\"tablist\">\n<button class=\"nav-link active\" id=\"loanRatesTab\" data-toggle=\"tab\" data-target=\"#loanRates\" type=\"button\" role=\"tab\" aria-controls=\"loanRates\" aria-selected=\"true\">Loan Rates<\/button>\n<button class=\"nav-link\" id=\"depositRatesTab\" data-toggle=\"tab\" data-target=\"#depositRates\" type=\"button\" role=\"tab\" aria-controls=\"depositRates\" aria-selected=\"false\">Deposit Rates<\/button>\n<\/div>\n<\/nav>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div id=\"myTabContent\" class=\"tab-content\">\n<div class=\"tab-pane fade show active\" id=\"loanRates\" role=\"tabpanel\" aria-labelledby=\"loanRatesTab\">\n\n\n\n<div class=\"wp-block-group py-5\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Polam <strong>Loan Rates<\/strong><\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Auto Loans:<\/h3>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<p class=\"text-right m-0\" style=\"font-size:.75rem\">Rate Effective Date: September 1, 2026<\/p>\n\n<figure id=\"autoLoans\" class=\"wp-block-table is-style-regular\">\n<table>\n<thead>\n<tr>\n<th>Term<\/th>\n<th><strong>New Auto Fixed Rate<\/strong><br \/> <small>APR* As Low As<\/small><\/th>\n<th><strong>Used Auto Fixed Rate<\/strong><br \/> <small>APR* As Low As<\/small><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Up to 36 months<\/strong><\/td>\n<td>5.25%<\/td>\n<td>5.50%<\/td>\n<\/tr>\n<tr>\n<td><strong>48 months<\/strong><\/td>\n<td>4.35%<\/td>\n<td>5.60%<\/td>\n<\/tr>\n<tr>\n<td><strong>60 months<\/strong><\/td>\n<td>5.45%<\/td>\n<td>5.70%<\/td>\n<\/tr>\n<tr>\n<td><strong>72 months<\/strong><\/td>\n<td>5.55%<\/td>\n<td>5.80%<\/td>\n<\/tr>\n<tr>\n<td><strong>84 months<\/strong><\/td>\n<td>5.65%<\/td>\n<td>5.90%<sup>1<\/sup><\/td>\n<\/tr>\n<\/tbody>\n<tfoot>\n<tr>\n<th><\/th>\n<th><\/th>\n<th><\/th>\n<\/tr>\n<\/tfoot>\n<\/table>\n<\/figure>\n\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><strong>1<\/strong> \u2013 Available only for the cars up to 3 years old.<br><strong>*APR<\/strong> \u2013 Annual Percentage Rate. Auto rates starting at\u00a05.25%; 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),\u202fvehicle age, vehicle mileage, credit history, account relationship, or promotional programs. \u202fActual 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.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Credit card:<\/h3>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<p class=\"text-right m-0\" style=\"font-size:.75rem\">Rate Effective Date: September 1, 2026<\/p>\n\n<figure id=\"creditCard\" class=\"wp-block-table is-style-regular\">\n<table>\n<thead>\n<tr>\n<th>Credit card<\/th>\n<th><strong>Fixed Rate<\/strong><br \/> <small>APR*<\/small><\/th>\n<th><strong>Credit Limit<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Visa Signature<\/strong><\/td>\n<td>15.00%<\/td>\n<td>$500-$25,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Visa Secured<sup>2<\/sup><\/strong><\/td>\n<td>15.00%<\/td>\n<td>$500-$25,000<\/td>\n<\/tr>\n<\/tbody>\n<tfoot>\n<tr>\n<th><\/th>\n<th><\/th>\n<th><\/th>\n<\/tr>\n<\/tfoot>\n<\/table>\n<\/figure>\n\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><strong>*APR<\/strong> \u2013 Annual Percentage Rate.<br><strong>2<\/strong> \u2013 Visa Secured Card requires 125% of credit limit to be held in saving account as collateral<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Share Secured Loan :<\/h3>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<p class=\"text-right m-0\" style=\"font-size:.75rem\">Rate Effective Date: September 1, 2026<\/p>\n\n<figure id=\"shareSecuredLoan\" class=\"wp-block-table is-style-regular\">\n<table>\n<thead>\n<tr>\n<th>Share Secured Loan<\/th>\n<th><strong>APR*<\/strong><\/th>\n<th><strong>Description<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Secured by your Polam Saving Account<\/strong><\/td>\n<td>3.00% + Saving Dividend Rate<\/td>\n<td>View Current Deposit Rate<\/td>\n<\/tr>\n<\/tbody>\n<tfoot>\n<tr>\n<th><\/th>\n<th><\/th>\n<th><\/th>\n<\/tr>\n<\/tfoot>\n<\/table>\n<\/figure>\n\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\">*<strong>APR<\/strong> \u2013 Annual Percentage Rate.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Personal Loan :<\/h3>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<p class=\"text-right m-0\" style=\"font-size:.75rem\">Rate Effective Date: September 1, 2026<\/p>\n\n<figure id=\"personalLoan\" class=\"wp-block-table is-style-regular\">\n<table>\n<thead>\n<tr>\n<th>Personal Loan<sup>3<\/sup><\/th>\n<th><strong>APR* as low as<\/strong><\/th>\n<th><strong>Loan Amount<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Unsecured Loan<\/strong><\/td>\n<td>10.00%<\/td>\n<td>Up to $10,000<\/td>\n<\/tr>\n<\/tbody>\n<tfoot>\n<tr>\n<th><\/th>\n<th><\/th>\n<th><\/th>\n<\/tr>\n<\/tfoot>\n<\/table>\n<\/figure>\n\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><strong>3<\/strong> \u2013 Applicant must have maintained an active saving, checking, or loan account with Polam for at least 12 consecutive months, with the account in good standing.<br><strong>*APR<\/strong> \u2013 Annual Percentage Rate. Rates offered are subject to credit approval. APR based on factors including credit type, loan term, Commitment Household \/account relationship and applicant creditworthiness \/score. Loan terms are based on various factors, including the amount financed. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Offered rates subject to change. Estimated example, if you receive a loan of $10,000 with an interest rate of 10.00% with no origination fee and make 36 monthly payments of $322.67, your finance charges will be $1,616.20 which would make your total repayment amount $11,616.20<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Home Equity Line of Credit (Heloc):<\/h3>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<p class=\"text-right m-0\" style=\"font-size:.75rem\">Rate Effective Date: September 1, 2026<\/p>\n\n<figure id=\"heloc\" class=\"wp-block-table is-style-regular\">\n<table>\n<thead>\n<tr>\n<th><strong>Term<\/strong><\/th>\n<th><strong>Variable Rate APR*<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>10 years draw period and 10 year payback<\/strong><\/td>\n<td>6.95% (fixed up to 5 years, then adjustable)<\/td>\n<\/tr>\n<\/tbody>\n<tfoot>\n<tr>\n<th><\/th>\n<th><\/th>\n<\/tr>\n<\/tfoot>\n<\/table>\n<\/figure>\n\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><strong>*APR<\/strong>\u00a0\u2013 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.<br>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.\u00a0<br>APR applies to a HELOC 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 rate can adjust monthly. Payments will increase if rates increase. The rate is calculated using an index plus a margin.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Home Equity Line of Credit (2<sup>nd<\/sup> Mortgage):<\/h3>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<p class=\"text-right m-0\" style=\"font-size:.75rem\">Rate Effective Date: September 1, 2026<\/p>\n\n<figure id=\"secondMortgage\" class=\"wp-block-table is-style-regular\">\n<table>\n<thead>\n<tr>\n<th><strong>Term<\/strong><\/th>\n<th><strong>Variable Rate APR*<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>20 years<\/strong><\/td>\n<td>6.70% (fixed up to 5 years, then adjustable)<\/td>\n<\/tr>\n<\/tbody>\n<tfoot>\n<tr>\n<th><\/th>\n<th><\/th>\n<\/tr>\n<\/tfoot>\n<\/table>\n<\/figure>\n\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><strong>*APR<\/strong> \u2013 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.<br>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.\u00a0<br>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.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">1<sup>st<\/sup> Mortgage:<\/h3>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<p class=\"text-right m-0\" style=\"font-size:.75rem\">Rate Effective Date: September 1, 2026<\/p>\n\n<figure id=\"firstMortgage\" class=\"wp-block-table is-style-regular\">\n<table>\n<thead>\n<tr>\n<th><strong>Term<\/strong><\/th>\n<th><strong>Fixed rate APR*<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>30 years<\/strong><\/td>\n<td>6.25% (fixed up to 5 years, then adjustable)<\/td>\n<\/tr>\n<\/tbody>\n<tfoot>\n<tr>\n<th><\/th>\n<th><\/th>\n<\/tr>\n<\/tfoot>\n<\/table>\n<\/figure>\n\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><strong>*APR<\/strong> \u2013 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.<br>The index is 26 T-Bill Rate (U.S Treasury bill that matures in 26 weeks) as made available by the Federal Reserve. The caps are 2% annually and 5% lifetime based on the initial rate.<br>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.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n\n\n<\/div>\n<div class=\"tab-pane fade\" id=\"depositRates\" role=\"tabpanel\" aria-labelledby=\"depositRatesTab\">\n\n\n\n<div class=\"wp-block-group py-5\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Polam <strong>Deposit Rates<\/strong><\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Savings and Checking Account:<\/h3>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<p class=\"text-right m-0\" style=\"font-size:.75rem\">Rate Effective Date: September 1, 2026<\/p>\n\n<figure id=\"savingsChecking\" class=\"wp-block-table is-style-regular\">\n<table>\n<thead>\n<tr>\n<th><strong>Account type<\/strong><\/th>\n<th><strong>Minimum Balance<\/strong><\/th>\n<th><strong>Interest Rate<\/strong> <br \/> <small>APY*<\/small><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Regular Savings<\/strong><\/td>\n<td>$100<\/td>\n<td>0.65%<\/td>\n<\/tr>\n<tr>\n<td><strong>Regular Checking<\/strong><\/td>\n<td>$0<\/td>\n<td>0.07%<\/td>\n<\/tr>\n<\/tbody>\n<tfoot>\n<tr>\n<th><\/th>\n<th><\/th>\n<th><\/th>\n<\/tr>\n<\/tfoot>\n<\/table>\n<\/figure>\n\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><strong>*APY<\/strong> \u2013 Annual Percentage Yeld. Rates subject to change before or after account opening without notice.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Certificate of Deposit (CD):<\/h3>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<p class=\"text-right m-0\" style=\"font-size:.75rem\">Rate Effective Date: September 1, 2026<\/p>\n\n<figure id=\"certificateOfDeposit\" class=\"wp-block-table is-style-regular\">\n<table>\n<thead>\n<tr>\n<th><strong>Term<\/strong><\/th>\n<th><strong>Minimum Deposit<\/strong><\/th>\n<th><strong>Interest Rate<\/strong> <br \/> <small>APY*<\/small><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>6 months<\/strong><\/td>\n<td>$5,000 &#8211; $49,999<\/td>\n<td>0.75%<\/td>\n<\/tr>\n<tr>\n<td><strong>12 months<\/strong><\/td>\n<td>$5,000 &#8211; $49,999<\/td>\n<td>1.25%<\/td>\n<\/tr>\n<tr>\n<td><strong>18 months<\/strong><\/td>\n<td>$5,000 &#8211; $49,999<\/td>\n<td>1.50%<\/td>\n<\/tr>\n<tr>\n<td><strong>24 months<\/strong><\/td>\n<td>$5,000 &#8211; $49,999<\/td>\n<td>1.65%<\/td>\n<\/tr>\n<tr>\n<td><strong>36 months<\/strong><\/td>\n<td>$5,000 &#8211; $49,999<\/td>\n<td>2.00%<\/td>\n<\/tr>\n<\/tbody>\n<tfoot>\n<tr>\n<th><\/th>\n<th><\/th>\n<th><\/th>\n<\/tr>\n<\/tfoot>\n<\/table>\n<\/figure>\n\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><strong>*APY<\/strong> \u2013 Annual Percentage Yield. Rates may vary at the time of maturity or renewal. All certificates are subject to an early withdrawal penalty.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">IRA Certificate of Deposit:<\/h3>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<p class=\"text-right m-0\" style=\"font-size:.75rem\">Rate Effective Date: September 1, 2026<\/p>\n\n<figure id=\"IRAcertificateOfDeposit\" class=\"wp-block-table is-style-regular\">\n<table>\n<thead>\n<tr>\n<th><strong>Term<\/strong><\/th>\n<th><strong>Minimum Deposit<\/strong><\/th>\n<th><strong>Interest Rate<\/strong> <br \/> <small>APY*<\/small><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>6 months<\/strong><\/td>\n<td>$5,000 &#8211; $49,999<\/td>\n<td>1.00%<\/td>\n<\/tr>\n<tr>\n<td><strong>12 months<\/strong><\/td>\n<td>$5,000 &#8211; $49,999<\/td>\n<td>1.50%<\/td>\n<\/tr>\n<tr>\n<td><strong>18 months<\/strong><\/td>\n<td>$5,000 &#8211; $49,999<\/td>\n<td>1.55%<\/td>\n<\/tr>\n<tr>\n<td><strong>24 months<\/strong><\/td>\n<td>$5,000 &#8211; $49,999<\/td>\n<td>1.75%<\/td>\n<\/tr>\n<tr>\n<td><strong>36 months<\/strong><\/td>\n<td>$5,000 &#8211; $49,999<\/td>\n<td>2.25%<\/td>\n<\/tr>\n<\/tbody>\n<tfoot>\n<tr>\n<th><\/th>\n<th><\/th>\n<th><\/th>\n<\/tr>\n<\/tfoot>\n<\/table>\n<\/figure>\n\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><strong>*APY<\/strong> \u2013 Annual Percentage Yield. Rates may vary at the time of maturity or renewal. All certificates are subject to an early withdrawal penalty. For IRA Certificates, the early withdrawal penalty is waived if the IRA owner is age 59\u00bd years or older. Fees could reduce earnings.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n\n\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Loan Rates Deposit Rates Polam Loan Rates Auto Loans: 1 \u2013 Available only for the cars up to 3 years old.*APR \u2013 Annual Percentage Rate. Auto rates starting at\u00a05.25%; 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, &#8230; <\/p>\n<div class=\"read-more-box\"><a class=\"btn\" \n href=\"https:\/\/polamfcu.com\/pl\/rates\/\">Continue reading<\/a><\/div>\n","protected":false},"author":1,"featured_media":7888,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-7908","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Stopy procentowe - Polam Federal Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/polamfcu.com\/pl\/rates\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Stopy procentowe - Polam Federal Credit Union\" \/>\n<meta property=\"og:description\" content=\"Loan Rates Deposit Rates Polam Loan Rates Auto Loans: 1 \u2013 Available only for the cars up to 3 years old.*APR \u2013 Annual Percentage Rate. Auto rates starting at\u00a05.25%; 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, ... 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