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Membership Benefits

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!

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Because POLAM’s focus is serving member’s financial needs and not making a profit, any profit made after operating expenses is returned to the member. This is why we can offer you lower loan rates and higher deposit rates compared to banks that operate for profit.

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Home Member Resources and Forms Disclosures

These documents are available in Online Banking, our virtual branch. If you would like a copy to be mailed to you, please call us at (800) 404-5137.

Account - Agreement & Truth-in-Savings Disclosure

The disclosure is available after you log into your Online Banking Account.

Fee Schedule

The disclosure is available after you log into your Online Banking Account.

Visa Credit Card Rates & Terms

Online Privacy Policy

Round-Up/”Save My Change” Program Disclosure

Consent to Receive Electronic Documentation

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