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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.

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HELOC (2nd Mortgage):

Rate Effective Date: October 1, 2026

Term Variable Rate APR*
20 years 6.70% (fixed up to 5 years, then adjustable)
1st Mortgage:

Rate Effective Date: October 1, 2026

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

Savings and Checking Account:

Rate Effective Date: October 1, 2026

Account type Minimum Balance Interest Rate
APY*
Regular Savings $100 0.65%
Regular Checking $0 0.07%
*APY – Annual Percentage Yeld. Rates subject to change before or after account opening without notice.

Certificate of Deposit (CD):

Rate Effective Date: October 1, 2026

Term Minimum Deposit Interest Rate
APY*
6 months $5,000 — $49,999 0.75%
12 months $5,000 — $49,999 1.25%
18 months $5,000 — $49,999 1.50%
24 months $5,000 — $49,999 1.65%
36 months $5,000 — $49,999 2.00%
*APY – Annual Percentage Yield. Rates may vary at the time of maturity or renewal. All certificates are subject to an early withdrawal penalty.

IRA Certificate of Deposit:

Rate Effective Date: October 1, 2026

Term Minimum Deposit Interest Rate
APY*
6 months $5,000 — $49,999 1.00%
12 months $5,000 — $49,999 1.50%
18 months $5,000 — $49,999 1.55%
24 months $5,000 — $49,999 1.75%
36 months $5,000 — $49,999 2.25%
*APY – Annual Percentage Yield. Rates may vary at the time of maturity or renewal. All certificates are subject to an early withdrawal penalty is waived if the IRA owner is age 59½ years or older. Fees could reduce earnings.

Auto Loans

Rate Effective Date: October 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 5.35% 5.60%
60 months 5.45% 5.70%
72 months 5.55% 5.80%
84 months 5.65% 5.90%1
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.

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Карта Камердинер

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МОБИЛЬНЫЙ КОШЕЛЕК

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