Membership Benefits


As a member you benefit from:

Higher Deposit Rates, Lower Loan Rates and Fewer Fees
POLAM’s focus is serving the financial needs of their members and not making a profit.  That’s why any profit made after operating expenses is returned back to the member in the form of Higher Deposit Rates, Lower Loan Rates and Fewer Fees!

Personal Service
We provide a warm and personal service designed to help you grow your savings, pay off debt, and plan for the future. When you become a member you’ll feel like you are part of a community and when you’ll call us you will not get an audio response. You will always be able to talk to our member service representative during our office hours. As a member, you also get to vote for your board of directors, who are also POLAM members, like you.

Federal Insurance
Through the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the full faith and credit of the United States government, your funds are insured to at least $250,000 per individual depositor. Member’s account balances in excess of $250,000 can be insured if properly structured. For additional information Click here

Convenient National and International Access
More surcharge-free ATMs than just about any bank, anywhere.  CO-OP’s nearly 30,000 ATMS and 5,000+ shared branches means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Click here for more information.

Latest Banking Technology
POLAM offers access to your accounts from your desktop, tablet or smart phone. No time to drive to an ATM or a branch? You can deposit your checks with your smart phone. Click here for more info on the POLAM mobile App.

How to Join

Becoming a Member:
We’d love to have you as a member!  Membership is open to Southern California residents who are  friends and families of Polish-Americans.  POLAM is an association based credit union open to Southern California residents who are individual or supporting members of our sponsor, the Polish American Congress, or one of the other affiliated associations. If you are not already a member of one of the approved associations, supporting membership can be established at the time of account opening by paying a supporting membership fee of $20.

How to get started:
Come in to either our Los Angeles or Orange County branch and open a savings account with a minimum deposit of $5.