What are the current interest rates at Polam FCU Los Angeles, CA?

Current rates for Polam FCU Los Angeles, CA include: 12-Month CD: 3.90%, 24-Month CD: 3.95%, 60-Month CD: 4.10%, Savings: 0.05%, MMA: 0.75%

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Polam FCU Los Angeles, CA

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Polam FCU Los Angeles, CA Rates & Review October 2026

Q: Is a member application needed to join Polam FCU Los Angeles, CA?

Yes, to access services at Polam FCU Los Angeles, CA, 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Polam FCU Los Angeles, CA provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Polam FCU Los Angeles, CA's top rates as of October 9, 2026 are 4.40% APY on its 5 Year Savings CD, 0.05% APY on savings, 0.75% APY on money market accounts, and personal loans from 15.95% APR, according to rates verified by MonitorBankRates. Other Polam FCU Los Angeles, CA CD rates include 1 Year Savings CD at 4.35%, 4 Year Savings CD at 4.30%, and 5 Year Savings CD at 4.30%. MonitorBankRates evaluates the financial stability of Polam FCU Los Angeles, CA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/09/2026.

Polam FCU Los Angeles, CA 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 FCU Los Angeles, CA? Share your experience about Polam FCU Los Angeles, CA by leaving a review below, or read customer reviews before you decide to use Polam FCU Los Angeles, CA.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Polam FCU Los Angeles, CA
Polam FCU

5301 Rosewood Ave
Los Angeles, CA 90004-3029

https://www.polam.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Polam FCU Los Angeles, CA CD Rates

Product	Rate	APY	Term
5 Year Savings Certificate	4.31%	4.40%	5 Years
Min Balance $100,000 Details Minimum Balance: $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.40% ▲ 0.65 pts · high 4.40% / low 3.75% Oct 5, 20264.40%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
1 Year Savings Certificate	4.27%	4.35%	1 Year
Min Balance $100,000 Details Minimum Balance: $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00% Oct 5, 20264.35%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
4 Year Savings Certificate	4.22%	4.30%	4 Years
Min Balance $100,000 Details Minimum Balance: $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 4.30% ▲ 0.80 pts · high 4.30% / low 3.50% Oct 5, 20264.30%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
5 Year Savings Certificate	4.22%	4.30%	5 Years
Min Balance $50,000 Details Minimum Balance $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.50% → 4.30% ▲ 0.80 pts · high 4.30% / low 3.50% Oct 5, 20264.30%▲ from 3.50% Sep 21, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
1 Year Savings Certificate	4.17%	4.25%	1 Year
Min Balance $50,000 Details Minimum Balance $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75% Oct 5, 20264.25%▲ from 3.75% Sep 21, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
2 Year Savings Certificate	4.17%	4.25%	2 Years
Min Balance $100,000 Details Minimum Balance: $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75% Oct 5, 20264.25%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
3 Year Savings Certificate	4.17%	4.25%	3 Years
Min Balance $100,000 Details Minimum Balance: $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45% Oct 5, 20264.25%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
4 Year Savings Certificate	4.12%	4.20%	4 Years
Min Balance $50,000 Details Minimum Balance $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.45% → 4.20% ▲ 0.75 pts · high 4.20% / low 3.45% Oct 5, 20264.20%▲ from 3.45% Sep 21, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
5 Year Savings Certificate	4.12%	4.20%	5 Years
Min Balance $25,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 4.20% ▲ 0.70 pts · high 4.20% / low 3.50% Oct 5, 20264.20%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
1 Year Savings Certificate	4.07%	4.15%	1 Year
Min Balance $25,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 4.15% ▲ 0.55 pts · high 4.15% / low 3.60% Oct 5, 20264.15%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
2 Year Savings Certificate	4.07%	4.15%	2 Years
Min Balance $50,000 Details Minimum Balance $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.55% → 4.15% ▲ 0.60 pts · high 4.15% / low 3.55% Oct 5, 20264.15%▲ from 3.55% Sep 21, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
3 Year Savings Certificate	4.07%	4.15%	3 Years
Min Balance $50,000 Details Minimum Balance $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.35% → 4.15% ▲ 0.80 pts · high 4.15% / low 3.35% Oct 5, 20264.15%▲ from 3.35% Sep 21, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
4 Year Savings Certificate	4.02%	4.10%	4 Years
Min Balance $25,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 4.10% ▲ 0.85 pts · high 4.10% / low 3.25% Oct 5, 20264.10%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
5 Year Savings Certificate	4.02%	4.10%	5 Years
Min Balance $2,500 Details APY* is Annual Percentage Yield. Rate is Dividend Rate. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45% Oct 5, 20264.10%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
2 Year Savings Certificate	3.98%	4.05%	2 Years
Min Balance $25,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 4.05% ▲ 0.60 pts · high 4.05% / low 3.45% Oct 5, 20264.05%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
3 Year Savings Certificate	3.98%	4.05%	3 Years
Min Balance $25,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 4.05% ▲ 0.80 pts · high 4.05% / low 3.25% Oct 5, 20264.05%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month Savings Certificate	3.98%	4.05%	6 months
Min Balance $100,000 Details Minimum Balance: $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 4.05% ▲ 0.80 pts · high 4.05% / low 3.25% Oct 5, 20264.05%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
4 Year Savings Certificate	3.93%	4.00%	4 Years
Min Balance $2,500 Details APY* is Annual Percentage Yield. Rate is Dividend Rate. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 4.00% ▲ 0.85 pts · high 4.00% / low 3.15% Oct 5, 20264.00%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
2 Year Savings Certificate	3.88%	3.95%	2 Years
Min Balance $2,500 Details APY* is Annual Percentage Yield. Rate is Dividend Rate. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.95% ▲ 0.90 pts · high 3.95% / low 3.05% Oct 5, 20263.95%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
3 Year Savings Certificate	3.88%	3.95%	3 Years
Min Balance $2,500 Details APY* is Annual Percentage Yield. Rate is Dividend Rate. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.95% ▲ 0.80 pts · high 3.95% / low 3.15% Oct 5, 20263.95%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month Savings Certificate	3.88%	3.95%	6 months
Min Balance $50,000 Details Minimum Balance $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.10% → 3.95% ▲ 0.85 pts · high 3.95% / low 3.10% Oct 5, 20263.95%▲ from 3.10% Sep 21, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
1 Year Savings Certificate	3.83%	3.90%	1 Year
Min Balance $2,500 Details APY* is Annual Percentage Yield. Rate is Dividend Rate. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.90% ▲ 0.90 pts · high 3.90% / low 3.00% Oct 5, 20263.90%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month Savings Certificate	3.78%	3.85%	6 months
Min Balance $25,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05% Oct 5, 20263.85%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month Savings Certificate	3.69%	3.75%	6 months
Min Balance $2,500 Details APY* is Annual Percentage Yield. Rate is Dividend Rate. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 3.75% ▲ 1.25 pts · high 3.75% / low 2.50% Oct 5, 20263.75%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Polam FCU Los Angeles, CA Savings Rates

Product	Rate	APY	View More
Savings	0.05%	0.05%
Min Deposit $5 Min Balance $100 Details Balance: $100 minimum balance required to earn dividends; Minimum: $5 minimum balance required to open an account Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.03% → 0.05% ▲ 0.02 pts · high 0.05% / low 0.03% Oct 5, 20260.05%▲ from 0.03% Sep 14, 20260.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Polam FCU Los Angeles, CA Money Market Rates

Product	Rate	APY
Money Market	0.75%	0.75%
Min Balance $75,000 Details Balance: $75,000 to unlimited Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.65% → 0.75% ▲ 0.10 pts · high 0.75% / low 0.65% Oct 5, 20260.75%▲ from 0.65% Sep 14, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market	0.40%	0.40%
Min Balance $25,000 Details Balance: $25,000 to $75,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market	0.30%	0.30%
Min Balance $2,500 Details Balance: $2,500 to $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Polam FCU Los Angeles, CA Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles Loan	-	-	4.24%	up to 36 months
Details Additional APR listed for this product: 4.49%. APR is Annual Percentage Rate. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137. APR is Annual Percentage Rate. New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Last Updated 10/09/2026 Rate History 2 changes since Sep 17, 2026 · 4.99% → 4.24% ▼ 0.75 pts · high 4.99% / low 4.24% Oct 5, 20264.24%▼ from 4.74% Sep 18, 20264.74%▼ from 4.99% Sep 17, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Vehicles Loan	-	-	4.34%	up to 48 months
Details Additional APR listed for this product: 4.59%. APR is Annual Percentage Rate. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137. APR is Annual Percentage Rate. New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Last Updated 10/09/2026 Rate History 2 changes since Sep 17, 2026 · 4.99% → 4.34% ▼ 0.65 pts · high 4.99% / low 4.34% Oct 5, 20264.34%▼ from 4.74% Sep 18, 20264.74%▼ from 4.99% Sep 17, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Vehicles Loan	-	-	4.49%	up to 60 months
Details Additional APR listed for this product: 4.74%. APR is Annual Percentage Rate. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137. APR is Annual Percentage Rate. New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Last Updated 10/09/2026 Rate History 2 changes since Sep 17, 2026 · 5.24% → 4.49% ▼ 0.75 pts · high 5.24% / low 4.49% Oct 5, 20264.49%▼ from 4.99% Sep 18, 20264.99%▼ from 5.24% Sep 17, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Vehicles Loan	-	-	4.74%	up to 72 months
Details Additional APR listed for this product: 4.99%. APR is Annual Percentage Rate. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137. APR is Annual Percentage Rate. New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Last Updated 10/09/2026 Rate History 2 changes since Sep 17, 2026 · 5.74% → 4.74% ▼ 1.00 pts · high 5.74% / low 4.74% Oct 5, 20264.74%▼ from 4.99% Sep 18, 20264.99%▼ from 5.74% Sep 17, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Vehicles Loan	-	-	4.74%	up to 36 months
Details Additional APR listed for this product: 4.99%. APR is Annual Percentage Rate. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Vehicles Loan	-	-	4.74%	up to 48 months
Details Additional APR listed for this product: 4.99%. APR is Annual Percentage Rate. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Vehicles Loan	-	-	5.24%	up to 60 months
Details Additional APR listed for this product: 5.49%. APR is Annual Percentage Rate. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Vehicles Loan	-	-	5.49%	up to 84 months
Details Additional APR listed for this product: 5.74%. APR is Annual Percentage Rate. Lowest rate is the preferred rate with a FICO score of 700 & higher. For example, a 5.49% APR for new vehicles up to 60 months at a monthly payment of approximately Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137. APR is Annual Percentage Rate. New and used auto loans funded as of May 21, 2025 are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.74% → 5.49% ▼ 0.25 pts · high 5.74% / low 5.49% Oct 5, 20265.49%▼ from 5.74% Sep 18, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Used Vehicles Loan	-	-	5.74%	up to 72 months
Details Additional APR listed for this product: 5.99%. APR is Annual Percentage Rate. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Polam FCU Los Angeles, CA Personal Loan Rates

Product	APR	Term	View More
Personal Loan	15.95%	up to 60 months
Details Up to $25,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 15.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Polam FCU Los Angeles, CA Other Rates

Product	Rate	Points	APY/APR	Term	View More
Traditional - Roth - Education	0.30%	-	0.30%
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Polam FCU Los Angeles, CA’s Texas Ratio fell from 12.30% in Q3 2023 to 0.00% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$73M	0.00%	5.0	A+
March 31, 2026	$73M	0.00%	5.0	A+
December 31, 2025	$74M	6.21%	5.0	A
September 30, 2025	$74M	6.49%	5.0	A
June 30, 2025	$73M	21.54%	4.5	B
March 31, 2025	$73M	1.95%	5.0	A+
December 31, 2024	$72M	11.33%	5.0	A
September 30, 2024	$73M	5.54%	5.0	A+
June 30, 2024	$74M	5.45%	5.0	A+
March 31, 2024	$74M	5.26%	5.0	A+
December 31, 2023	$73M	0.08%	5.0	A+
September 30, 2023	$72M	12.30%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Polam FCU Los Angeles, CA 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 FCU Los Angeles, CA 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 FCU Los Angeles, CA's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Polam FCU Los Angeles, CA

Website https://www.polam.org

Address 5301 Rosewood Ave, Los Angeles, CA 90004-3029

Phone 323-463-5137

Fax 323-460-4518

President Mariusz Kicinski

CEO Jennifer Audette

Full-Time Employees 10

Part-Time Employees 1

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.00%

Return on Assets (ROA)

-0.4566%

Return on Equity (ROE)

-4.6327%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

73,159,695

Total Amount of Shares and Deposits

65,542,811

Total Shares and Deposits < 1 Year

63,437,707

Total Shares and Deposits 1 3 Years

1,454,972

Total Shares and Deposits > 3 Years

650,132

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

6,033,060

Total Uninsured Shares and Deposits > $250K (F+J)

6,033,060

Total Insured Shares and Deposits > $250K (item 17 less item K)

59,509,751

Total Interest Expense (Sum of items 6 8)

702,344

Share Certificates

328

Number of Accounts for Share Drafts

942

IRA KEOGH Accounts

109

Number of Accounts for Regular Shares

2,095

Non Member Deposits

Money Market Shares

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)

8,259,582

Total Liabilities

65,948,475

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Polam FCU Los Angeles, CA earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Polam FCU Los Angeles, CA

How many branches does Polam FCU Los Angeles, CA operate?

Polam FCU Los Angeles, CA 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 FCU Los Angeles, CA?

Yes, to access services at Polam FCU Los Angeles, CA, 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 FCU Los Angeles, CA 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 FCU Los Angeles, CA provides members with tools to manage their accounts and build a solid financial history.

Does Polam FCU Los Angeles, CA offer online and mobile banking?

Most modern institutions like Polam FCU Los Angeles, CA 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.polam.org.

Current Polam FCU Los Angeles, CA Rates

12-Month CD3.90%
24-Month CD3.95%
60-Month CD4.10%
Savings0.05%
MMA0.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Polam FCU Los Angeles, CA Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Polam FCU Los Angeles, CA Texas Ratio

Polam FCU Los Angeles, CA Health Trend

Polam FCU Los Angeles, CA CD Rates

Polam FCU Los Angeles, CA Savings Rates

Polam FCU Los Angeles, CA Money Market Rates

Polam FCU Los Angeles, CA Auto Loan Rates

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Polam FCU Los Angeles, CA Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Polam FCU Los Angeles, CA earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Polam FCU Los Angeles, CA

How many branches does Polam FCU Los Angeles, CA operate?

Is a member application needed to join Polam FCU Los Angeles, CA?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Polam FCU Los Angeles, CA offer online and mobile banking?

Current Polam FCU Los Angeles, CA Rates

Compare to Other Credit Unions