MonitorBankRates
☰
  1. Home›
  2. Credit Unions›
  3. Polam Federal Credit Union
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 March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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 →
| iEditorial Disclosure
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: March 20, 2026

You can compare Polam Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.50%, 6-month share certificate rates at 3.75% and 3-month share certificate rates at 3.50%. Savings rates are at 1.01% and money market rates are at 1.30%. Mortgage rates on 30-year fixed loans are around 5.98%. All these rates can be compared to Polam Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Polam Federal Credit Union with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.57%. Rates were last updated on 03/20/2026.

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.

Overall Health & Safety Grade ?
B+
Good Health Score: 89/100
MonitorBankRates Rating ?
4.8
Excellent Out of 5.0 Stars
Texas Ratio ?
17.57%
Good Higher than avg
Polam Federal Credit Union
Redwood City
770 Marshall St
Redwood City, CA 94063 1846
https://www.polamfcu.com
Member NCUA

Current Rate Availability

We do not have Polam Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates 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 13
Part-Time Employees 7
Branch Locations 6
ATM Locations 2
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
4.8 / 5.0 ★
Overall Health & Safety Grade
B+ (89/100)
Texas Ratio
17.57%
Return on Assets (ROA)
-0.2883%
Return on Equity (ROE)
-2.1857%
Non-Performing Loans Ratio (NPL)
2.76%
Total Assets
77,506,060
Total Amount of Shares and Deposits
65,730,507
Total Shares and Deposits < 1 Year
61,791,426
Total Shares and Deposits 1 3 Years
3,939,081
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,823,107
Total Uninsured Shares and Deposits > $250K (F+J)
8,823,107
Total Insured Shares and Deposits > $250K (item 17 less item K)
56,907,400
Total Interest Expense (Sum of items 6 8)
486,333
Share Certificates
48
Number of Accounts for Share Drafts
2,645
IRA KEOGH Accounts
93
Number of Accounts for Regular Shares
3,159
All other shares
449
Non Member Deposits
9
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,926,688
Total Liabilities
67,281,367
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Polam Federal Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Polam Federal Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About Polam Federal Credit Union

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

Yes, Polam Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 17.566962646213%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How 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.

Compare to Other Credit Unions

Princeton Federal Credit Union Internal Revenue Employees Federal Credit Union Hampton Roads Educator\'s Credit Union Inc Kenowa Community Federal Credit Union Family First Credit Union Richmond Heritage Federal Credit Union COTTONWOOD COMMUNITY Public Service Edwardsport Plant Employees FCU West Aircomm Federal Credit Union Montana Health Federal Credit Union OK Members First Federal Credit Union Crossroads Credit Union Lower Columbia Longshoremen Federal Credit Union Mobility Credit Union MM Employees Federal Credit Union Energy Credit Union Greater Central Texas Federal Credit Union CGR Credit Union UALU 354 Federal Credit Union CALCOE Federal Credit Union Waterfront Federal Credit Union