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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Polam Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 21, 2026
Polam Federal Credit Union's 36 Month IRA CD of Deposit rates are at 2.25%, 36 Month CD of Deposit (CD) rates are at 2.00%, 24 Month IRA CD of Deposit rates are at 1.75%, 24 Month CD of Deposit (CD) rates are at 1.65%, 18 Month IRA CD of Deposit rates are at 1.55%. Polam Federal Credit Union's savings rates are at 0.65%. Polam Federal Credit Union's 1st Mortgage rates are at 6.25%. Polam Federal Credit Union's Personal Loan Rates are as low as 10.00%. Polam Federal Credit Union's Credit Card Rates are at 15.00%. MonitorBankRates evaluates the financial stability of Polam Federal Credit Union with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 19.35%. Rates last updated and verified on 09/21/2026. Polam Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Polam Federal Credit Union? Share your experience about Polam Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Polam Federal Credit Union. Polam Federal Credit Union
Redwood City 770 Marshall St
https://www.polamfcu.com Redwood City, CA 94063-1846 
Polam Federal Credit Union CD Rates
Polam Federal Credit Union Savings Rates
Polam Federal Credit Union Checking Rates
Polam Federal Credit Union Mortgage Rates
Polam Federal Credit Union Home Equity & HELOC
Polam Federal Credit Union Auto Loan Rates
Polam Federal Credit Union Credit Card Rates
Polam Federal Credit Union Personal Loan Rates
Financial Health HistoryPolam Federal Credit Union’s Texas Ratio rose from 2.60% in Q2 2023 to 19.35% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.6 and its Health Grade from A+ to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Polam Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Polam Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Polam Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Polam Federal Credit Union
Website
https://www.polamfcu.com
Address
770 Marshall St,
Redwood City, CA 94063-1846
Phone
650-367-8940
Fax
650-367-8945
President
Andrzej Wolny
CEO
Mark Chrzanowski
Full-Time Employees
14
Part-Time Employees
6
Branch Locations
6
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.6 / 5.0 ★
Overall Health & Safety Grade
B (87/100)
Texas Ratio
19.35%
Return on Assets (ROA)
-0.1869%
Return on Equity (ROE)
-1.3746%
Non-Performing Loans Ratio (NPL)
3.43%
Total Assets
73,625,240
Total Amount of Shares and Deposits
63,342,398
Total Shares and Deposits < 1 Year
56,332,398
Total Shares and Deposits 1 3 Years
7,010,000
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,890,274
Total Uninsured Shares and Deposits > $250K (F+J)
7,890,274
Total Insured Shares and Deposits > $250K (item 17 less item K)
55,452,124
Total Interest Expense (Sum of items 6 8)
163,530
Share Certificates
51
Number of Accounts for Share Drafts
2,573
IRA KEOGH Accounts
90
Number of Accounts for Regular Shares
3,085
All other shares
429
Non Member Deposits
8
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,832,930
Total Liabilities
63,614,305
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Add Your Rating and Review for Polam Federal Credit Union
Frequently Asked Questions About Polam Federal Credit UnionHow many branches does Polam Federal Credit Union operate?Polam Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Polam Federal Credit Union?Yes, to access services at Polam Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Polam Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Polam Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Polam Federal Credit Union offer online and mobile banking?Most modern institutions like Polam Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.polamfcu.com. Current Polam Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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