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

Current rates for Polam FCU Los Angeles, CA include: 12-Month CD: 2.60%, 24-Month CD: 3.15%, 60-Month CD: 3.10%, Savings: 0.03%, MMA: 0.30%

MonitorBankRates

☰

Home›
Credit Unions›
Polam FCU Los Angeles, CA

iAdvertiser Disclosure

Polam FCU Los Angeles, CA Rates & Review August 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: August 28, 2026

Polam FCU Los Angeles, CA's 1 Year Savings CD rates are at 3.85%, 2 Years Savings CD rates are at 3.75%, 1 Year Savings CD rates are at 3.70%, 2 Years Savings CD rates are at 3.65%, 4 Years Savings CD rates are at 3.60%. Polam FCU Los Angeles, CA's savings rates are at 0.03%. Polam FCU Los Angeles, CA's money market rates are at 0.30%. Polam FCU Los Angeles, CA's Personal Loan Rates are at 15.95%. 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 6.49%. Rates last updated and verified on 08/28/2026.

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 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.49%

Excellent Higher than avg

Polam FCU Los Angeles, CA
Polam FCU

589 N LARCHMONT BLVD
LOS ANGELES, CA 90004 1305

https://www.polam.org

Polam FCU Los Angeles, CA CD Rates

Product	Rate	APY	Term
1 Year Savings Certificate	3.78%	3.85%	1 Year
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
2 Years Savings Certificate	3.69%	3.75%	2 Years
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
1 Year Savings Certificate	3.64%	3.70%	1 Year
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
2 Years Savings Certificate	3.59%	3.65%	2 Years
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
4 Years Savings Certificate	3.54%	3.60%	4 Years
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
2 Years Savings Certificate	3.49%	3.55%	2 Years
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
5 Years Savings Certificate	3.45%	3.50%	5 Years
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
3 Years Savings Certificate	3.20%	3.35%	3 Years
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
3 Years	3.20%	3.25%	3 Years
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
4 Years Savings Certificate	3.20%	3.25%	4 Years
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
5 Years Savings Certificate	3.15%	3.20%	5 Years
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
2 Years	3.11%	3.15%	2 Years
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
4 Years	3.11%	3.15%	4 Years
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
6 month Savings Certificate	3.11%	3.15%	6 months
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
5 Years	3.06%	3.10%	5 Years
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
1 Year	2.57%	2.60%	1 Year
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
6 month	2.57%	2.60%	6 months
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

Polam FCU Los Angeles, CA Savings Rates

Product	Rate	APY	View More
Savings	0.03%	0.03%
Min Deposit $5 Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

Polam FCU Los Angeles, CA Money Market Rates

Product	Rate	APY
Money Market	0.65%	0.65%
Min Balance $75,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Money Market	0.40%	0.40%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Money Market	0.30%	0.30%
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

Polam FCU Los Angeles, CA Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles Loan	-	-	4.74%	up to 36 months
Details As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Used Vehicles Loan	-	-	4.74%	up to 36 months
Details As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
New Vehicles Loan	-	-	4.99%	up to 36 months
Details As Low As; Vehicles older than 7 years are subject to additional 1% APR. No multiple discounts may be applied to these rates. All loans subject to credit approval. Restrictions apply. For more information call (800) 404-5137. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Used Vehicles Loan	-	-	4.99%	up to 36 months
Details As Low As; Vehicles older than 7 years are subject to additional 1% APR. No multiple discounts may be applied to these rates. All loans subject to credit approval. Restrictions apply. For more information call (800) 404-5137. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
New Vehicles Loan	-	-	5.24%	up to 60 months
Details As Low As; Vehicles older than 7 years are subject to additional 1% APR. No multiple discounts may be applied to these rates. All loans subject to credit approval. Restrictions apply. For more information call (800) 404-5137. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Used Vehicles Loan	-	-	5.24%	up to 60 months
Details As Low As; Vehicles older than 7 years are subject to additional 1% APR. No multiple discounts may be applied to these rates. All loans subject to credit approval. Restrictions apply. For more information call (800) 404-5137. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
New Vehicles Loan	-	-	5.74%	up to 72 months
Details As Low As; Vehicles older than 7 years are subject to additional 1% APR. No multiple discounts may be applied to these rates. All loans subject to credit approval. Restrictions apply. For more information call (800) 404-5137. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Used Vehicles Loan	-	-	5.74%	up to 72 months
Details As Low As; Vehicles older than 7 years are subject to additional 1% APR. No multiple discounts may be applied to these rates. All loans subject to credit approval. Restrictions apply. For more information call (800) 404-5137. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
New Vehicles Loan	-	-	5.99%	up to 84 months
Details Lowest rate is the preferred rate with a FICO score of 700 & higher. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
Used Vehicles Loan	-	-	5.99%	up to 84 months
Details Lowest rate is the preferred rate with a FICO score of 700 & higher. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

Polam FCU Los Angeles, CA Credit Card Rates

Product	Rate	APR
POLAM Visa Preferred	-	7.98%
Details No Annual Fee; Preferred rate is with a FICO score of 720 or above. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%
POLAM Visa Card	-	9.98%
Details No Annual Fee; Preferred rate is with a FICO score of 720 or above. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

Polam FCU Los Angeles, CA Personal Loan Rates

Product	Rate	APR	View More
Personal Loan	-	15.95%
Details Up to $25,000; As Low As; Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No additional discounts may be applied to these rates. All loans subject to credit approval. Restrictions apply. For more information call (800) 404-5137. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.49%

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.

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 589 N LARCHMONT BLVD, LOS ANGELES, CA 90004 1305

Phone 323-463-5137

Fax 323-460-4518

President Mariusz Kicinski

CEO Jennifer Audette

Full-Time Employees 11

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 (97/100)

Texas Ratio

6.49%

Return on Assets (ROA)

-0.2519%

Return on Equity (ROE)

-2.4940%

Non-Performing Loans Ratio (NPL)

1.31%

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

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)

4,671,667

Total Liabilities

66,366,324

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Polam FCU Los Angeles, CA earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/polam-federal-credit-union-rates-review-19739">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Polam FCU Los Angeles, CA yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Polam FCU Los Angeles, CA

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.