Rates

Polam Loan Rates

Auto Loans:

Rate Effective Date: September 1, 2026

Term	New Auto Fixed Rate APR* As Low As	Used Auto Fixed Rate APR* As Low As
Up to 36 months	5.25%	5.50%
48 months	4.35%	5.60%
60 months	5.45%	5.70%
72 months	5.55%	5.80%
84 months	5.65%	5.90%1

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1 – Available only for the cars up to 3 years old.
*APR – Annual Percentage Rate. Auto rates starting at 5.25%; 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), vehicle age, vehicle mileage, credit history, account relationship, or promotional programs.  Actual 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.

Credit card:

Rate Effective Date: September 1, 2026

Credit card	Fixed Rate APR*	Credit Limit
Visa Signature	15.00%	$500-$25,000
Visa Secured2	15.00%	$500-$25,000

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*APR – Annual Percentage Rate.
2 – Visa Secured Card requires 125% of credit limit to be held in saving account as collateral

Share Secured Loan :

Rate Effective Date: September 1, 2026

Share Secured Loan	APR*	Description
Secured by your Polam Saving Account	3.00% + Saving Dividend Rate	View Current Deposit Rate

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*APR – Annual Percentage Rate.

Personal Loan :

Rate Effective Date: September 1, 2026

Personal Loan3	APR* as low as	Loan Amount
Unsecured Loan	10.00%	Up to $10,000

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3 – 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.
*APR – 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

Home Equity Line of Credit (Heloc):

Rate Effective Date: September 1, 2026

Term	Variable Rate APR*
10 years draw period and 10 year payback	6.95% (fixed up to 5 years, then adjustable)

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*APR – 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.
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. 
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.

Home Equity Line of Credit (2^nd Mortgage):

Rate Effective Date: September 1, 2026

Term	Variable Rate APR*
20 years	6.70% (fixed up to 5 years, then adjustable)

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*APR – 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.
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. 
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.

1^st Mortgage:

Rate Effective Date: September 1, 2026

Term	Fixed rate APR*
30 years	6.25% (fixed up to 5 years, then adjustable)

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*APR – 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.
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.
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.