Loan Rates

Loan Rates Effective February 1, 2023

Loan_Rates
Higher Deposit Rates, Lower Loan Rates
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.

  • Save the planet and your wallet while we save you an additional .25% APR*
    on  electric or hybrid vehicle loans.
    Terms APR  As low as*
    up to 60 months 4.99%
    up to 72 months 5.25%
    up to 84 months 5.99%

    *APR is Annual Percentage Rate
    Lowest rate is the preferred rate with a FICO score of 700 & higher. For example a 5.50% APR for new vehicles up to 60 months at a monthly payment of approximately $19.10 per $1,000 borrowed.  Alternative rates, terms and conditions may apply depending on applicant’s credit qualifications.  Rates are subject to change without notice. No multiple discounts may be applied to these rates. All loans subject to credit approval. Offer for a limited time only. Restrictions apply. For more information call (800) 404-5137.



  • Save the planet and your wallet while we save you an additional .25% APR*
    on  electric or hybrid vehicle loans.
    Terms                                                                      APR as low as*
    up to 36 months
    4.75%
    up to  48 months
    4.75%
    up to 60 months
    5.49%
    up to 72 months
    5.74%

    *APR is Annual Percentage Rate
    Estimated monthly payment of $19.21 per $1,000 borrowed at 5.74% APR for 60 months.  Alternative rates, terms and conditions may apply depending on applicant’s credit qualifications.  Rates are subject to change without notice. Autos 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.

  • Loan Type Terms APR As low as*
    Personal Loan Up to $10,000 up to 36 months 12.95%
    Savings Certificate Secured Loan up to 60 months 2-3% above Share Certificate Rate

    *APR is Annual Percentage Rate
    Estimated monthly payment of $33.19 per $1,000 borrowed at 11.95% APR for 36 months.  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.

  • Loan Type Terms APR As low as*
    POLAM Visa Card

    Click here to view our VISA terms and agreement.

    up to $10,000

    9.98%

    POLAM Visa Preferred

    Click here to view our VISA terms and agreement.

    up to $10,000

    7.98%

     

    FOR ADDITIONAL DETAILS CLICK HERE  OR CALL (800) 404-5137

    *APR is Annual Percentage Rate. Preferred rate is with a FICO score of 720 or above.  Alternative rates, terms and conditions may apply depending on applicant’s credit qualifications. Rates and terms subject to change without notice. All loans subject to credit approval. No additional discounts may be applied to these rates. No Annual Fees.

  • FIRST TIME HOME BUYERS:  same lower rate with 10% down as with 20% down
    and NO PRIVATE MORTGAGE INSURANCE REQUIRED.
    Call us for our lowest home loan rates  (800) 404-5137

    Mortgage Calculator


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