Polam Federal Credit Union (CA)

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.polamfcu.com

650-367-8940

770 Marshall St
Redwood City, CA 94063

Polam Federal Credit Union (CA) is headquartered in Redwood City and is the 171^st largest credit union in the state of California. It is also the 2,084^th largest credit union in the nation. It was established in 1973 and as of March of 2025, it had grown to 13 employees and 3,888 members at 6 locations. Polam Federal Credit Union (CA)'s CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Polam Federal Credit Union is open to members of the Polish-American community.
See current membership details

Reviews

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Polam Federal Credit Union (CA) has a relatively low asset base.

Health Grade Components

Overall
NCUA #	21502
Year Chartered	1973
Employees	13
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.49%
Return on Equity - YTD	-3.62%
Annual Interest Income	$700K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$75.5MM$77.1MM
Loans	Q1 2025vs Q1 2024	$65MM$65.3MM
Deposits	Q1 2025vs Q1 2024	$64.7MM$65.4MM
Equity Capital	Q1 2025vs Q1 2024	$10.4MM$10.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$336K$396K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$413K$518K
Real Estate Owned	Q1 2025vs Q1 2024	$9K$9K

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
CD

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Polam Federal Credit Union (CA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.65%	$0	-	Savings

Polam Federal Credit Union (CA) CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.75%	$5k	-	24 month CD
2.25%	$5k	-	12 month CD

Locations

Polam Federal Credit Union (CA) Locations
Branch Office	55 Broad St	New Britain, CT 06053-4304
Branch Office	4313 Elkhorn Blvd	Sacramento, CA 95842
Branch Office	1010 Oak Grove Rd	Concord, CA 94518-3005
Branch Office	5923 Geary Blvd	San Francisco, CA 94121-2006
Branch Office	770 Marshall St	Redwood City, CA 94063-1846
Branch Office	9227 E Lincoln Ave Ste 200	Lone Tree, CO 80124-5504

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