Keep the Legacy Alive

Effective July 1, 2025 “Notice of Change in FUNDS AVAILABILITY POLICY DISCLOSURE: Effective July 1, 2025, the Disclosure shall be amended to state, in part: The first $275.00 from a deposit of other checks will be available on the first business day following the day of your deposit. The remaining funds will be available on the second business day following the day of your deposit. For example, if you deposit a check in the sum of $700.00 on a Monday, $275.00 of the deposit is available on Tuesday. The remaining $425.00 is available on Wednesday. We place certain limitations on withdrawals in cash. In general, $275.00 of a deposit is available for withdrawal in cash on the same business day we receive your deposit. Longer delays may apply to deposits checks totaling more than $6,725.00 on any one (1) day. Funds from electronic direct deposits to your account will be available on the next day following the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $6,725.00 of a day’s total deposits of cashier’s, certified, teller’s, travelers, and federal, state, and local government checks will be available on the next business day following the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $6,725.00 will be available on the ninth business day following the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day following the day of your deposit.” Please contact us with any questions at 800-404-5137. Thank you!

Home Loans

POLAM is a portfolio lender which means that we do not sell our loans to investors like most financial institutions. 

Auto Loans

POLAM finances up to 125% of the purchase price on new auto loans including tax, license, and optional GAP coverage, with flexible terms.

Online Banking Login

Online Banking is the easiest and most convenient way to access your accounts.

Home Loan Assistance

Need help paying your mortgage? POLAM FCU can help.

ATMs & Shared Branches

With over 5,000 co-op shared branches and over 30,000 ATMs throughout the United States, we have convenient locations where you live, work and travel.

Make a Payment

We want to make things easier for you! Make a payment to your POLAM FCU loans or credit cards from any external account.

Send and receive money with Zelle®

We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family and people you know. With Zelle®, you can send money directly from your account to enrolled recipients in minutes, all from the convenience of online banking or our mobile app.

Become a Member

When you become a member, you benefit from lower fees, lower loan rates, and higher deposit rates!

Lost or Stolen Cards

Please call these numbers outside of POLAM normal office hours. During business hours, please call us directly at
800-404-5137.

For lost or stolen POLAM Visa Credit Cards

(800) 808-7230 outside U.S. call collect (727) 570-4881.

For lost or stolen POLAM Visa ATM/Debit Cards

(888) 241-2510 outside U.S. call collect (909) 941-1398.