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Polam Federal Credit Union Rates and Review January 2026

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Polam Federal Credit Union12-month CD rates can be found at 3.70%, 6-month CD rates at 3.90% and 3-month CD rates at 2.00%. Savings rates are at 0.10% and money market rates are at 2.30%. Mortgage rates on 30-year fixed loans are around 6.33%. Credit Card rates are at 16.10%. Personal Loan rates are at 11.50%. All these rates, and more, can be found in our database of rates which you can compare to Polam Federal Credit Union rates.

Compare Polam Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Polam Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

Rate Updates and Availability

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 CD rates or 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.

Overall, Polam Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A

"N/A" indicates the product is not offered or the rate is unavailable.

Polam Federal Credit Union
Polam FCU
589 N LARCHMONT BLVD
LOS ANGELES, CA 90004 1305
Member NCUA
MonitorBankRates' Rating
5/5
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CD & Savings Rate Comparison

Bank
Product
APY
Min Dep
12-Month CD
3.68%
$500
3-Month CD
3.60%
$25,000
12-Month CD
3.56%
$500
36-Month CD
3.54%
$500
12-Month CD (IntraFi)
3.50%
$100,000
13-Month
3.50%
$1,000
12-Month CD
3.44%
$500
12-Month CD
3.40%
$500
18-Month CD
3.25%
$500
60-Month CD
3.25%
$1,000
24-Month CD
3.14%
$200
60-Month CD
3.12%
$500
18-Month CD (with checking)
3.05%
$1,000
48-Month CD
3.03%
$500
36-month CD
3.00%
$500
12-Month CD
3.00%
$1,000
12-Month CD (Jumbo)
3.00%
$100,000
12-Month CD
2.78%
$1,000
30-Month CD
2.52%
$500
36-Month CD
2.47%
$500
48-Month CD
2.42%
$500
36-Month CD
2.38%
$500
36-Month CD
2.17%
$1,000
24-Month CD
2.02%
$1,000
60-Month CD
1.80%
$500
12-Month CD
1.80%
$1,000
30-Month CD
1.55%
$5,000
24-Month CD
1.21%
$1,000
36-Month CD
1.12%
$500
48-Month CD
0.70%
$500
18-Month CD
0.55%
$1,000
48-Month CD
0.55%
$2,000
60-Month CD
0.50%
$2,500
24-Month CD
0.45%
$500
18-Month CD
0.45%
$500
12-Month CD
0.30%
$1,000
24-Month CD
0.25%
$500
Savings
0.25%
$0
24-Month CD
0.20%
$1,000
30-Month CD
0.20%
$1,000
Beyond Checking
0.10%
$100
24-Month CD
0.10%
$1,000
Membership Savings
0.10%
$5
Checking Plus
0.10%
$1
Statement Savings
0.05%
$100
24-Month CD
0.05%
$1,000
High Performance Savings
0.03%
$25
Mutual Interest Money Market
0.02%
$50
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rate Comparison

Lender
Product
Rate
APR
Points
5.625%
5.850%
0.000
5.625%
5.870%
0.000
5.625%
6.000%
0.000
5.625%
5.760%
0.375
5.750%
5.876%
0.000
30 Year Fixed
6.375%
6.670%
0.000
5.625%
5.693%
0.500
5.500%
5.581%
0.000
15-Year Fixed
5.680%
5.964%
0.000
5.500%
5.972%
0.000
15-Year Fixed
5.750%
5.870%
0.000
6.000%
6.113%
0.000
30-Year Fixed
6.375%
6.451%
0.000
30-Year Fixed
6.500%
6.512%
0.000
5.115%
5.787%
1.071
5.875%
6.012%
0.000
5.875%
6.055%
0.000
15 Year Fixed
5.375%
5.588%
0.000
30-Year Fixed
5.750%
5.908%
0.500
5.625%
5.790%
0.000
5.000%
5.080%
0.000
5.875%
5.900%
0.000
15-Year Fixed
5.125%
5.389%
1.000
5.625%
5.941%
0.000
5.500%
6.005%
0.000
6.250%
6.434%
0.000
5.625%
6.037%
0.000
6.750%
6.697%
0.000
5.875%
5.992%
1.000
5.875%
6.023%
0.000
6.375%
6.556%
0.000
30-Year Fixed
6.000%
6.218%
0.000
15-Year Fixed
5.625%
5.743%
0.000
5.500%
5.500%
0.000
5.875%
5.958%
0.000
5.375%
5.460%
0.500
10-Year Fixed
5.375%
5.590%
0.000
5.500%
5.581%
0.000
15-Year Fixed
5.250%
5.326%
0.000
30-Year Fixed
5.750%
5.842%
0.000
5.875%
6.091%
0.000
15-Year Fixed
5.500%
5.695%
0.000
15 Year Fixed
5.000%
5.131%
0.250
30-Year Fixed (Jumbo)
5.875%
5.931%
0.000
30-Year Fixed VA
5.375%
5.599%
1.000
5.875%
5.894%
0.000
5.500%
5.574%
0.000
5.500%
5.612%
0.750
15-Year Fixed
5.500%
5.546%
0.000
5-Year ARM
5.250%
5.840%
0.000
View 50 More

Credit Card Rate Comparison

Institution
Product
APR
Notes
18.000%
9.990%
Credit Line $500-$7,000
Visa Platinum Preferred Rewards
15.740% - 17.990%
Member Cash Rewards+ VISA
17.040% - 23.040%
Maximize rewards with increased cash back on everyday purchases – with up to 4% cash back on gas purchases. Plus, 3% on groceries, restaurants, and food delivery with 1% on everything else.
Visa Signature® Rewards
17.750%
SIGNATURE 1.5% CASH BACK VISA
18.000%
Unlimited 1.5% Cash Back Signature Card
Security Service Power Travel Rewards World MasterCard
16.250% - 17.250%
Student Select Rewards Visa
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
VISA Credit Card
11.900%
No annual fee
Visa Business Rewards Card
15.240%
Visa Signature® Cash Back
17.750%
10.150%
GM Business™ Mastercard®
19.240% - 29.240%
0% Intro purchase APR for first 12 months
Classroom Supply Visa
8.500%
Visa Platinum Credit Card
8.500%
As low as 8.50%
Max Cash Preferred Card Visa
19.490% - 29.740%
Get more value with up to 5% cash back in 2 categories you choose.
Security Service Power Rewards MasterCard
18.000%
14.240%
14.000%
Visa Platinum Credit Card
8.900%
No annual fee. No balance transfer fee. No cash advance fee.
School Employee Mastercard
11.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
8.900% - 13.900%
Based upon credit worthiness.
Visa Platinum Rewards
14.900%
VISA Platinum with Rewards
8.900%
Visa Crimson Rewards Card
13.740%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Personal Loan Rate Comparison

Institution
Product
APR
Loan Amt
Loan Term Months
9.990%
$0
1 - 60
Personal Line of Credit
9.500%
$0
Unsecured Signature Loan
10.250%
$0
37 - 60
9.200% - 17.950%
$0 - $2,500
36 - 36
Personal Loans
10.000%
$0
1 - 36
13.990%
$0
15.000%
$500 - $1,500
6 - 12
10.890%
$0
60
Personal Line of Credit
11.500%
$0
Personal Line of Credit Variable
13.150%
$0
11.240% - 17.950%
$0
25 - 36
Signature Loans
12.990%
$0
48
Signature (Unsecured) Loan
11.040%
$0
1 - 24
A+ Preferred Line Of Credit
10.990%
$0
8.950%
$0
1 - 60
9.200% - 17.950%
$0 - $500
48 - 48
7.000%
$500 - $15,000
60
Personal Loan
13.000% - 13.200%
$1,500 - $15,000
24 - 24
8.990% - 17.990%
$0
Student Loan Consolidation
5.490%
$0
Unsecured Signature Loan
9.250%
$0
1 - 24
Access Line Of Credit
16.240%
$0
10.700%
$0 - $10,000
60 - 60
10.250% - 17.950%
$0
1 - 36
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have Polam Federal Credit Union rate data right now.

Credit Union Profile & Overview

Credit Union Name: Polam Federal Credit Union
Full Time Employees: 11
Part Time Employees: 1
President: Mariusz Kicinski
CEO: Jennifer Audette
Branch Locations: 2
ATM Locations: 0
Corporate Office Address:
589 N LARCHMONT BLVD
LOS ANGELES, CA 90004 1305
Phone Number: 323-463-5137
Fax Number: 323-460-4518

Financials

Total Assets:
73,821,243
Total Amount of Shares and Deposits:
65,504,449
Total Shares and Deposits < 1 Year:
63,201,295
Total Shares and Deposits 1 3 Years:
1,785,937
Total Shares and Deposits > 3 Years:
517,217
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
1,348,614
Total Uninsured Shares and Deposits > $250K (F+J):
1,348,614
Total Insured Shares and Deposits > $250K (item 17 less item K):
64,155,835
Total Interest Expense (Sum of items 6 8):
1,265,535
Share Certificates:
357
Number of Accounts for Share Drafts:
938
IRA KEOGH Accounts:
117
Number of Accounts for Regular Shares:
2,104
Non Member Deposits:
2
Money Market Shares:
45
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
4,671,667
Total Liabilities:
66,366,324
Show More
Source: NCUA Last Updated 09/30/2025

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Frequently Asked Questions About Polam Federal Credit Union

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.

Is there a first-time homebuyer program?

Currently, Polam Federal Credit Union provides a range of mortgage and home equity products.

Is Polam Federal Credit Union a safe place to deposit money?

Yes, Polam Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.

Does Polam Federal Credit Union offer online and mobile banking?

Most modern institutions like Polam Federal Credit Union provide digital access including online balance checks and transfers.

Current Polam Federal Credit Union Rates

ProductAPY

Rates subject to change.

Compare to other Credit Unions